You are on page 1of 100

 

 

DEVELOPER WHITEPAPER 2017 
 
The people's bank®.  
Where you empower the world and we empower you. 

By: Jared Rice Sr. 

Version 1.0.9 - November 24th, 2017 

 

 

 

TABLE OF CONTENTS 
 
Abstract 5 
Letter From Founders 6 
Executive Summary 7 
Key Statistics 8 
About AriseBank 10 
The Arise Vision 11 
Our Leadership 12 
Traditional Banks vs. Crypto Wallets vs. AriseBank 15 
 
The ICO 17 
--ICO Overview 18 
--The Breakdown 18-19 
--Timeline of Events 20 
--ICO Schedule 21 
 
aBank Platform 23 
--aBank Introduction 24 
--aBank Features 25 
--Complete Decentralization 26 
--Account & Wallet Structure 27 
--aOS-Based Network 28 
--AriseID Onboarding 29 
--Cryptocurrencies and Digital Assets 30 
--Device Compatibility 34 
--aBank API 35 
 
AriseID 36 
--AriseID Introduction 37 
--BIP70 Protocol-Based Security 39 
--AriseID Mechanics + MetaData 40 
--Use Cases 41 
--A New ID To Verify Anywhere .43 
--AriseID SDK 44 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 
 
aEx 45 
--aEx Introduction 46 
--Fee-less Exchange 48 
--Cryptocurrency Trading 49 
--Token Trading 50 
--Instant Bank Transfers 51 
--aEx Smart Contract/P2P Token Protocol 52 
--aEx Exchange API 53 
--aEx P2P API 54 
 
aiExchanger 55 
--aiExchanger Introduction 56 
--Automated Trading Platform 57 
--The Heart Of AriseCoin 58 
--aiExchanger API 59 
--aiExchanger Developer Tools 60 
 
aTransfer 61 
--aTransfer Introduction 62 
--A New Way to Transfer Money 63 
--Spend Receivables Instantly 63 
--aTransfer API 64 
--aTransfer Developer Tools 67 
 
aPay 68 
--aPay Introduction 69 
--Accept Cryptocurrencies Online 70 
--Accept Cryptocurrencies In-Store 71 
--aPay Developer Tools 72 
 
CoinSecure 73 
--About CoinSecure 74 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 
 
AriseCard 75 
--AriseCard Introduction 76 
--Swipe Anywhere VISA Is Accepted 77 
--Tap and Pay 78 
--AriseCard API 79 
 
Developer Tools 80 
--Developer Introduction 81 
--Sunrise API 82 
--Sunrise SDK 83 
--BlockXplore Network 84 
--Blockchain As A Service 85 
--aToken 86  
--aCharts 87 
 
AriseCoin 89 
--What Is AriseCoin 90 
--Why AriseCoin 90 
--How It Works 91 
--AriseCoin Developer Tools 93 
 
Bringing It All Together 94 
--Built To Empower The People 95 
--R.I.S.E. Network 96 
--ATMs and Putting A Bank In Your Pocket 99 
--And We Rise Together 100 
 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 

ABSTRACT 
- - - -  
We present the first decentralized banking platform. While the main purpose of AriseBank is to 
operate in a truly decentralized format, users can also operate in a semi-decentralized format, 
where fiat currencies, traditional banking services, debit cards and credit cards can be utilized 
alongside AriseBank’s many cryptocurrency services. AriseBank isn’t just an idea, it is already 
working and currently being tested in BETA by customers around the globe. Our platform is 
already integrated with over 700 cryptocurrencies and has more platform features than any 
cryptocurrency software currently available on the market.  

First, we outline the entire aBank banking platform and its features throughout multiple 
chapters, how we utilize our large set of developer tools and our growing network of Sunrise 
APIs and SDKs to help back the aBank platform’s decentralized network. We also introduce a 
new way of adhering to KYC regulations, while also keeping customer data private and 
unhackable with AriseID and how AriseBank is still able to offer AriseCard and other services, 
even in this decentralized landscape. This whitepaper also offers details in relation to the 
ongoing AriseCoin ICO and how AriseCoin works alongside the AriseBank platform to 
accomplish our true mission of ending the reign of the Federal Reserve and killing poverty at its 
core. 

   

“ 
Some will say cryptocurrencies are here to replace banking but we believe they 
improve banking, by making banking transparent, more secure, faster, cheaper 
and even profitable for the consumer. 

” 
- Jared Rice Sr., Chief Executive Officer & Co-Founder of AriseBank 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 

Letter From The Founders 
- - -  
I’m a believer in innovation. Innovation has changed my life many times over and I’ve suffered 
through the failures of innovation as well. I’m very well aware that with new ideas, comes a lot 
of outside opinions. Some positive and some negative. I have taken them all in stride the past 9 
months and used them all to create something we are all very proud of. Sometimes, opinions 
can be blinding to an innovator, but in my opinion, true innovation takes a unique idea, a lot of 
balls and the will to make it succeed - but you have to listen to your customers and more 
importantly the haters. In my situation, true innovation was born during a struggle in my life, a 
time where it was build it all or give it all up. I’ve been through these situations many times 
before but there was always something special about the blockchain and me. We always 
seemed to mesh nicely in the worst of times. The warrior in me came alive again. I was 
determined to see it all the way through, even if i died trying. 
 
At Arise, we have never copied someone else or tried to do things by the book. Creating 
something special requires the opposite. Historically, stepping outside the status quo has 
birthed many revolutionary ideas, even ideas like Bitcoin and Ethereum. After eight months of 
work, pushing through the struggles of software development, bringing a new idea to life, life 
itself and finding a way to make Arise possible - we have. Without funding. We took everything 
we had to make this happen and I can say we are very proud of the work we have put in and 
what we are looking at today. While it’s not perfect, what is? What matters most to us, is the 
team we have built, the milestones we have received and the future ahead. 
 
Today, not only are we debuting the largest ICO ever, we also have a fully working 
cryptocurrency banking platform in BETA testing that is truly decentralized from the 
constraints of traditional banking. Today, the people have something to rejoice about, the 
people have control again and this was the vision in the beginning. While that’s great and we 
are excited, we have a lot of work to do and our work is just beginning. We look forward to 
furthering the AriseBank platform and putting the power back in the people’s hands, because 
after all, we are the people’s bank! Thanks for downloading our whitepaper and I hope you 
enjoy AriseBank as much as we enjoyed building out our initial release.  
 
 

 
 
 
Jared Rice and Stanley Ford 
Co-Founders 
AriseBank 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 
 

Executive Summary 
- - - -  
Over the past 20 years, technology has advanced so quickly that 
governments and financial companies around the world have fallen 
behind on innovation. This began with companies fighting to keep 
fiat currencies and the centralized banking system in the seat of 
power. Enter cryptocurrencies, where the demand for cashless and 
digital payments has grown exponentially, while a dying centralized 
banking system can see the writing on the wall.   
 
The SEC, the IRS and the Federal Reserve have done everything in their power with 
other 3-letter agencies to put a stop to cryptocurrencies and scare investors away from 
putting their money in digital assets like Bitcoin and Ethereum but they have had little 
to no success. The inevitable end game in our digitized future is a digitized form of 
banking where people around the world control their own money, invest their own 
money and spend their own money, without limitations or government oversight or a 
central banking system. 
 
The future is all about privacy and control, where a bank of the people will lead the 
charge in a fight for citizen-first financial regulations and a future for every single one of 
our families, where we the people, are in control again. For this to happen, the people 
have to come together and fund a movement who can do just that. That revolution has 
arrived and it’s working today - introducing AriseBank, the people’s bank. We are the first 
truly decentralized banking platform and we are starting a revolution around the globe. 
Throughout this whitepaper, we will show you the ins and the outs of how banks of the 
future will work, how they will keep your data private, how you will control your money 
and why you will never need someone to oversee your life from a financial perspective 
ever again. 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 

Key Statistics  
- - - -  
- Global transaction volumes grew by 11.2% from 2014 to 2015 to reach 433 
billion dollars. - Cap Gemini World Payments Report 2017 

- The CAGR (Compound annual growth rate) of mobile proximity payments (NFC 
/ QR-based payments) is expected to grow to over $4 trillion USD by 2020. - IDC 
Financial Insights’ 2014 Consumer Payments Survey 

- By 2022, it is estimated that the cryptocurrency economy is expected to exceed 
three trillion dollars and could possibly equal to 10% of the world’s GDP by that 
time. - Deloitte 

- There are 3 million daily users of cryptocurrencies and is projected to exceed 
200 million by 2025. - Dr Garrick Hileman & Michel Rauchs  

- Today there are over 1,649 functioning cryptocurrencies and that number is 
constantly growing. - aCharts (https://charts.arisebank.com) 

- A cross-border transaction on average, between two parties is 7.45% - The 
World Bank: Remittance Prices Worldwide  

 

Key Bitcoin Statistics 
--------------------- 

12,000 transactions/per hour. 
99,000 BTC sent per hour. 
0.103 BTC average transaction value. 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  

 

Mining 
11 million is the total network hashrate in TH/s. 
166 GB is the total blockchain size of Bitcoin’s blockchain. 
$12.8 million - In mining rewards in the last 24 hours. 
129 - The number of blocks mined in the last 24 hours. 
326,000 - The number of bitcoin transactions confirmed in the past 24 hours. 
 

Ownership 
96%: - The amount of bitcoin owned by just 4% of addresses (containing 2.9 
million BTC). 
457,000 - The number of addresses richer than $10,000. 
715,000 - The number of active addresses in the last 24 hours. 
$19 billion - The value of the 100 richest bitcoin addresses. 
500,000 - The number of Bitcoin.com wallets downloaded. 
 

Popularity 
400,000 subscribers to the Bitcoin Reddit topic. 
12 million CoinBase users 
18.5 million Blockchain.info wallets. 
 

“Meanwhile, the younger, higher earning, tech-savvy 
consumers who have greater potential to engage in 
high-value bank relationships have expressed concerns 
about banks and are consequently more likely to consider 
offers from alternative financial services providers.” 
– FIS Global 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
10 

 

About AriseBank  
----  
Arise was built on five core values. Community, environment, 
education, diversity and privacy are the true foundation of our 21st 
century banking system. We believe a stronger future for 
cryptocurrencies will be built around these important foundational 
elements. 
 
Our motto “If we don’t succeed, we will always try again” that is ingrained within every 
AriseBank employee and breathes life into every product or idea that comes out of our 
offices. In short, one thing is for certain, Arise will be here for good and we’re not going 
anywhere. That’s why we elected to build our platform first and decentralize it at the 
very same time. We didn’t want our work or anyone’s contribution to go to waste. We 
believe in the future and love creating change. While other companies in our industry 
have yet to focus on any of these foundational elements, we wanted to step up to the 
plate and begin the trend. Digital assets are more than just a monetary instrument. 
They represent the future of technology and a solution to age-old problems like 
poverty. So if you’re wondering who we are, below, you read further into our vision 
outside of our products, what we believe in and why we started this journey in the first 
place. It’s way bigger than just banking, it’s our chance to change the financial industry 
forever, build better futures, a stronger education system, better communities, secure 
people’s lives and find a way for everyone to succeed. We are rising to the occasion.  
 
Nobody understands a blockchain security disaster like us. - Security is one of our core 
foundations. AriseBank™ is built on much more than just fingerprint, facial, and phone 
authentication; our processes and the architecture of our banking software is constantly 
reevaluated to ensure your money and your information is completely safe & secure. 
 
This is where blockchain innovation happens - We have innovated everything from the 
blockchain operating system (aOS™) to the first-ever blockchain repository. And that's truly just 
the tip of the iceberg. The largest blockchain API lives here and so does the future of blockchain 
regulation. The blockchain is all we care about and our fight goes way further than the code itself. 
 
Where your money grows automatically - Our entire banking structure is built on 
cryptocurrencies (like Bitcoin), that are constantly changing in value. We built our tools for regular 
consumers to grow financially, like cryptocurrency experts, without the know-how. Our goal is to 
bring true financial growth to consumers who need it most. 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
11 

 
 
 
THE ARISE VISION  
 
We believe that anyone and everyone should control their money, be able to profit off their 
banking relationship, send money anywhere for free, spend it how they want and help spread 
wealth to the rest of the world, without affecting their own pockets. That’s AriseBank in a nutshell.  
 
THE ARISE MISSION 
 
Our mission will always be the same. We want to help people spread their wings and live life with 
absolute freedom. With governments, auditors and others hanging over our shoulders, it’s hard to 
do. AriseBank innovated a way to create that freedom for everyone around the globe.  
 
OUR CORE VALUES  
 
1. DIVERSITY - From our offices in the United States all the way to the Philippines, the 
AriseBank™ Team is as diverse as the global offices that we occupy. From Dubai to Delhi and all 
spots in between, our team makes up all nationalities, races, genders and religions. And as we 
grow, we will support our customers with branches all around the world, while continuing to hire 
the greatest minds in tech and finance; wherever they may come from. Diversity and inclusion is 
baked into our core values. 
 
2. PRIVACY - Considering we operate within an intranet full of questions, concerns, security 
scares and a digital asset market surrounded with doubts, we have taken the extra steps to make 
sure our customer's digital assets are protected, their information is safe and our network is 
impenetrable. We have worked hard to create the securest environment possible for AriseBank™ 
customers but we also have a commitment to be transparent about how we keep Arise safe for 
everybody, including you. 
 
3. COMMUNITY - The biggest part of any technology ecosystem is not the platform, but the 
people. This defines the direction of innovation more than any other piece. By embracing all of 
our shared communities we can ensure that our products and services directly meet our 
customer's requirements. In a healthy ecosystem everyone has a part to play and it's important to 
define that right from the beginning. 
 
4. ENVIRONMENT - One of our company values is that we leave the world a better place than we 
found it. Our overall goal is to use 100% renewable energy for all the infrastructure we use to 
support a sustainable global banking system. For us, that means partnering with data centers 
that use 100% renewable energy and working with global partners that share our vision for a 
carbon neutral footprint. 
 
5. EDUCATION - Arise continues our ongoing work with education, including our free online tech 
academy “Dotemy”, where we give a free coding and cryptocurrency classes to needy schools 
and communities across the world.   
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
12 

 
 

Our Leadership  
- - - - 
 
 
Jared is the visionary of the AriseBank platform and the AriseCoin 
cryptocurrency. Adopted by two parents in East Dallas, Jared's life 
was far from normal. He began programming at the age of 7 years 
old and became obsessed with software development over the 
years. A high school dropout, he spent over a decade in the projects 
of East Dallas. Meanwhile his coding skills led him into the world of 
hacking. Turning his skills towards business, he then worked as a 
white hat hacker and built several successful startup technology 
companies. AriseBank is his latest venture -- the first 
  cryptocurrency bank. Jared's inspiring autobiography is available 
Jared Rice Sr.  for all to read in his new book available in bookstores December 
Co-Founder  3rd. 
CFO/CEO 
 
Stan has over twenty years of operations and tech experience, 
dating back to the 80s. His vast knowledge of data centers, 
industrial equipment and having travelled and worked in over 20 
countries across the globe, Stan was the perfect person to help 
Jared lead the charge in bringing AriseBank to life around the 
world. Stan and Jared have worked together on several tech 
startups since 2012 and have had a lot of success. He now serves as 
the COO, alongside Jared, at a bank that is cooler than the other 
side of the pillow. 
 
Stanley Ford 
Co-Founder 
COO 
 
Kelvin has worked closely with the CEO and founders of AriseBank 
for the past decade. Kelvin began programming 8 years ago after 
being introduced to the PHP language by Jared Rice. Since then, 
Kelvin has sold many lucrative software companies and spent his 
free time as a cryptocurrency trader. Kelvin made several million 
dollars off of Bitcoin and Ethereum assets, by creating his own 
auto-trading algorithm that he utilized on multiple exchanges like 
GDax. Kelvin is the President of AriseBank and works day to day 
  with the CEO and COO to bring upon new products and 
partnerships to push AriseBank to the forefront of the 
Kelvin Spencer 
cryptocurrency industry. Kelvin brings his plethora of ideas and 
President 
years of arbitrage experience to the Arise platform, where he will 
 
head aEX and aiExchanger, while creating a global strategy for 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
13 

 

both platforms moving forward. Kelvin also brings years of 
blockchain experience and programming knowledge to the team 
and is helping grow one of the best blockchain developer teams in 
the industry. 
 
Amy is an executive, entrepreneur, public speaker, and digital 
technology expert with a passion for helping organizations and 
small businesses succeed by showing them how to nurture their 
relationships to create long-term customers and partners. She is a 
proven leader in the SaaS industry with more than 11 years of 
experience as a client relations and professional services marketer 
at the law firms of Susman Godfrey LLP, Pillsbury Winthrop Shaw 
Pittman LLP, and Norton Rose Fulbright LLP. As Senior Director for 
  Constant Contact (2009-2017), Amy earned Constant Contact’s first 
Amy Olivieri  ever Outstanding Lifetime Achievement Award (2016); President's 
VP  Club - Outstanding Achievement Award (2014), and their 
Leadership Award, Field Marketing & Sales (2013). Amy is also the 
recipient of Powerful Women International’s Spirit of Leadership 
Award (2012), and currently serves on the Board of Advisors for 
SCORE – Houston Chapter. Amy has helped hundreds of 
businesses, non-profits and organizations make better decisions by 
leveraging best practices across general marketing principles, 
strategies, and online technologies.As a seasoned keynote speaker, 
she has presented to more than 40,000 businesses and 
organizations at: Microsoft; Centers for Entrepreneurship; SCORE; 
Small Business Development Centers; Powerful Women 
International; Women's Business Enterprise Alliance; Chambers of 
Commerce, and many more. 
 
Abdo has been one of the most important pieces in the AriseBank 
buildout and movement. Abdo, a Red Hat certified engineer and 
the designer of the entire AriseBank network layout, has also played 
a major role as Chief Technology Officer at Arise. Working with 
engineers and developers on some of the most important projects 
in-house. Mr. Farag also wrote the entire aOS (Arise Operating 
System) from the ground up and many of its packages. Abdo will 
help in the buildout of many other amazing AriseBank products in 
the near future. 
 
Abdo Farag 
CTO 
 
Nate has a Bachelors in mathematics from Texas A&M University. 
During school, Nate worked on projects for the South Texas Project 
“Nuclear Power Plant” and NASA. Attended graduate school for a 
year, but dropped out to start a hip-hop record label that didn’t 
work out. So he went back to math. Nate now works the numbers 
for a bank that puts their customer’s numbers first. 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
14 

 

Nate Laferney 
CAIO 
 
Carlos has a degree in Applied Mathematics in Biological Sciences. 
In the past, he dealt with programming disease models for the CDC 
and NSF, while concurrently working for NASA developing an 
image and video compression algorithm that they accepted last 
summer. Shortly after, he worked on a X-Ray image recognition 
software to detect scoliosis. Carlos is now the head engineer for the 
world’s coolest bank. 

 
Carlos Munoz 
CE 
 
From her time at Goldman Sachs, to her enormous amount of 
financial experience from real estate to investment houses, Mrs. 
Perkins was an ideal fit at AriseBank and currently serves as our 
Vice President. Her extensive knowledge of what we call “The other 
side”, has been instrumental in the process of throwing out the old 
way of doing things and replacing it with the new. A very important 
part of the Arise family and someone who offers great leadership in 
many areas of the company. 
 
Lee Perkins 
CMO 
 
Antong has been working in government affairs for the last decade. 
All it takes is a simple Google search to realize, Mr. Lucky practically 
works with many influential people in the US government, 
including the Speaker of the House. Not one single digital-asset 
based company can make this claim. Antong oversees our 
government affairs across the globe and The United States and will 
assist in the fight towards fair regulations for everyone as well as his 
fight to end poverty with his Dallas and Atlanta-based non-profit 
“Urban Specialists”. 
 
Antong Lucky 
Government Advisor 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
15 

 

Traditional Banks vs. Crypto Wallets vs. AriseBank 
- - - - 
 
  Traditional Banks and  Centralized Crypto  The AriseBank 
Leading Traditional  Wallets and  Platform 
Banks  Exchanges 

Regional  Limited by capital and  There are only  There are no regional 
region-specific regulations  regional restrictions  restrictions that 
Restrictions  where  AriseBank adheres to, as 
cryptocurrencies have  we have no control over 
been rejected and  who installs or uses 
deemed illegal.    AriseBank in its 
decentralized format.  
 

Client  Limited by systems,  Only technical and  Technical and 
countries of operations, etc.  infrastructure  infrastructure limitations 
Restrictions  based-limitations.  that are the lowest in the 
industry. (See “aOS” in 
Chapter 2) 

Data &  Losing customer data and  Losing customer  None, AriseBank does not 
other private information.  money, data and  hold currency or 
Financial Risks  other private  customer data but does 
information  verify customers of 
record. (See “AriseID” in 
Chapter 3) 

Infrastructure  All banking software is  All banking software  Banking API servers are 
hosted in a centralized  for centralized crypto  located throughout the 
Costs On  location and ranges in the  wallets are hosted in  world and sync with 
Average  billions of dollars  a centralized location  private API nodes that 
depending on the bank.  and range in the  sync with the AriseBank 
million of dollars.  software located on 
customer computers and 
mobile devices. Costs 
range in the thousands of 
dollars. (See “Complete 
Decentralization” in 
Chapter 2) 
 

Currencies  Most traditional banks  Most cryptocurrency  AriseBank’s platform is 
major in a few currencies at  wallets major in  connected to over 700 
most. Depending on the  around 20 or so  cryptocurrencies and 60+ 
bank.  cryptocurrencies.  fiat currencies. (See 
“Integrated 
Cryptocurrencies” in 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
16 

 

Chapter 2) 

Personal Credit  It is up to a bank to  Most centralized  AriseBank does not 
determine whether they  wallet systems like  control accounts or have 
Limitations and  will accept you as a client,  CoinBase have the  the ability to cancel 
Strict Bank  depending on your  ability to cancel your  accounts. The only reason 
Policies  personal credit and history  account and hold  you will be unable to 
in third parties like Check  your money like  obtain an account is if 
Systems.  traditional banks.  your personal data is 
unverifiable through 
AriseID. On the other 
hand, in a 
semi-decentralized 
platform format, we can 
refuse credit card 
payments due to past 
chargebacks or stolen 
credit card data. (See 
“AriseBank Policies” in 
Chapter 2) 

International  Restricted and expensive.  Blockchain-based  Zero fees with aTransfer. 
As much as 7.45% per  transaction fees are a  (See “aTransfer” in 
Transfers   transaction, depending on  lot cheaper than  Chapter 6) 
the country of the receiver.  traditional banking   
but fees still exist. 

Integration of  Slow and almost never  Most free  AriseBank and the aBank 
happens at the traditional  cryptocurrency  platform has an 
Software  banking level.  wallets are without a  integration marketplace 
Partners and  source of funding and  where developers can 
New Features  lack the developer  utilize the Sunrise SDK 
dollars to expand  and APIs to integrate 
quickly. They also lack  their software into the 
a functional  aBank platform. 
developer system to  Customers can easily add 
make add-on  these integrations into 
creation and  their aBank dashboard 
submission for third  for use. (See “Integration 
party developers an  Marketplace” in Chapter 
easy process.  2) 
 

Control  Centralized  Some decentralized,  100% Decentralized.  
some centralized. 

Currency  Up to 5%  Zero conversion fees.  Zero conversion fees. 
Conversion 

Funding  Funded by special interests,  Self-funded,  ICO funded by the people 
the Federal Reserve and  VC-funded and some  and never funded by 
other biased investment  ICO funded projects.  special interest groups. 
houses. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
17 

 

 

CHAPTER 1 

The ICO 
 

The largest ICO to date, births the largest 
cryptocurrency platform yet.  
Private Sale Begins October 21st, 2017 
 
 

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
18 

 

ICO Overview  
- - - - 
This is the first multi-asset ICO in the history of ICOs, due to the size of our 
platform, multiple assets were needed. While there are multiple assets, we give 
one asset for free, when the other is purchased, otherwise, both are for 
individual sale. Other assets are given to AriseCoin investors for free, based on 
their initial investment. There are two assets in total, AriseCoin and aEx 
ERC20-compliant tokens. 
 
AriseCoin is not a token, rather it’s a cryptocurrency, operating on its own blockchain. Being that 
we work with more than just ERC20-compliant tokens and the functionality of our platform, a 
blockchain was needed to accomplish our goals.  
 
aEx tokens are ERC-20 compliant tokens related to our smart contract for token swaps on the 
aEx platform. They are given free to AriseCoin investors, otherwise, aEx tokens carry their own 
value if you wish to acquire them during the ICO. 
 
 
The breakdown. 
 
How to acquire AriseCoin, time lengths, caps, requirements, reserves and more. 
 
Coin For Coin Exchange - 8.5 Million AriseCoin™ (ACO) will be generated and offered to 
investors in exchange for 12 different cryptocurrencies including Bitcoin, Ethereum, Waves, 
Ripple, zCash, Dash, NEM, Litecoin, Monero, Lisk, IOTA and Bitcoin Cash. 
 
ICO Length - The event will run for 30 days or as long as the hard cap of $1,000,000,000 has yet 
to be met. The ICO will begin on November 6th, 2017 and will not last beyond December 6th, 
2017 at 12AM CST. 
 
ICO Soft Cap - A soft cap of 2,666,000 ETH (or equivalent in ERC20 or BTC) would be the 
minimum required to ensure AriseBank™ has the necessary capital to ensure a timely launch 
and rapid customer acquisition. 
 
Soft Cap Extension - Should the soft-cap not be reached in the initial 30 days the ICO will be 
extended for 14 days, to not last beyond December 6th at 12AM CST. 
 
Distribution details - Upon completion of the ICO event 8.5 million AriseCoin™ (ACO) will be 
distributed to investors. 
 
The ACO™ Reserve - 7.5 Million ACO™ will remain in reserve for generation and circulation 
through the AriseBank platform, through aIExchanger gains. AriseCoin in the reserve vault are 
referred to as eACO (Expiring AriseCoin) 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
19 

 
 
 
AriseCoin Pricing - Our ICO will open at $117.65 per AriseCoin with 8,500,000 AriseCoin 
available to acquire during the ICO itself. 
 
Circulated by AriseBank Gains - We will keep 7.5 million AriseCoin in a reserve, to circulate to 
all AriseBank customers evenly, based on the gross daily gains of AriseBank customers through 
our aIExchanger platform. AriseCoin circulated by aiEx gains are referred to as eACO (Expiring 
AriseCoin) 
 
How AriseCoin Is Circulated - AriseCoin is split into two denominations within one blockchain: 
ACO and eACO. ACO (AriseCoins) can be acquired during our initial ICO, as well via as exchanges 
for those looking to buy, sell or trade ACO in a growing digital asset marketplace. Currently, 
there are 8,500,000ACO in circulation. ACO are permanent crypto assets that do NOT expire. If 
you buy them or earn them, you own them.  
 
But we also provide eACO (expiring ACO), which is the first ever expiring cryptocurrency. eACO 
are minted on a daily basis, in proportion to the collective gains of AriseBank customers and are 
then algorithmically distributed back to all AriseCoin holders. But what makes eACO different 
from ACO is that eACO expire after a period of time and are only useable within AriseBank.  
 
Think of ACO as permanent asset coins that last forever, and eACO as limited shelf-life bonus 
coins that have to be used before they expire.  
 
The purpose of eACO is to enable everyone to share in community wealth, and also to 
incentivize people in putting their bonus eACO coins back into circulation before they expire. 
 
 
How ACO value will grow over time 
 
- AriseBank customers within the aBank platform, have the ability to utilize our AI-based 
predictive auto-trading network to auto-trade their portfolio of cryptocurrencies and digital 
assets, consistently throughout the day. All AriseBank users who use aIExchanger, are 
automatically presented with gains at the end of day, based on their total portfolio balance 
from the prior day. 
 
- At the last minute of each day (11:59PM CST), the daily aIExchanger gains, across all customer 
accounts is calculated. At this time, AriseCoins are generated, to the USD equivalent of 1% of the 
total of all gains grossed across all Arise customer accounts within the aBank platform. 
 
- These AriseCoins are then split evenly amongst all AriseCoin wallets on the first minute of the 
following day. Precisely one minute after the platform gains were calculated. This ultimately 
creates AriseCoin circulation and transactions that are incomparable to any other blockchain in 
existence. 
 
- AriseBank is truly built on pure cryptocurrency and digital asset circulation at it's core. Not only 
with AriseCoin but with 700 other cryptocurrencies and digital assets as well. There are no 
platforms on the market today that boast the circulation strategy that AriseBank and AriseCoin 
embody. From services like aBank, aTransfer, aEx, aIExchanger, aTMs, aPocket, aPay, aToken and 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
20 

 
AriseCard, everything at Arise is built around this strategy of circulation and will become a 
crucial part of the cryptocurrency market on a global scale. 
 
- AriseCoin is also minted on a daily basis, through the work of miners who contribute their 
computing power to the AriseCoin network, in order to help oversee a growing array of 
transactions taking place on by-second basis. Just like Bitcoin, Ethereum and other blockchains, 
AriseCoin will present a network difficulty that will ultimately equate to a certain amount of 
blocks that are generated daily, which in turn will equate to a certain amount of AriseCoin 
being minted on a daily basis as well. 
 
 
Timeline of Events 
March 2017 - AriseBank™ was founded by Jared Rice Sr. and Stanley Ford. 
The Arise movement began in March of 2017. The process of creating the first cryptocurrency 
banking experience officially begins. 
 
June 2017 - The initial Arise plan was presented for AriseBank™ and future products and 
services and development begins. 
The initial plan for AriseBank's future services for aBank™, aEx™, aIExchanger™, aTransfer™, 
aPay™, AriseID™, CoinSecure™ and others were announced and development was started. 
 
August 2017 - Sunrise API™ and Sunrise SDK are launched for the Arise platform. 
AriseBank™ launches their Sunrise API™ and Sunrise SDK as a fundamental foundation for the 
Arise platform. 
 
October 2017 - Arise launches AriseCoin™ ICO and the entire Arise platform in BETA. 
In October of 2017, AriseBank™ launched the plans for their AriseCoin™ ICO, the entire Arise 
platform in BETA and a new website. 
 
A few other facts... 
This is not a marketing gimmick.. - This is not a marketing gimmick so there are no “Secure 
Offers”, while mentioning “No refunds” in our terms. We won’t sell you on coin discounts or 
pre-sale offers. We believe in a better tomorrow and it starts with transparency and honesty. 
Something Arise has been built on from the very beginning.  
 
We understand the undertaking - We understand the needed investment and contribution 
from the community to truly create a global and regulated cryptocurrency / digital asset based 
banking platform. We have released our estimated financial earnings for the next 12 months, as 
well as an estimate of costs to run the platform on a global scale. 
 
We are already establishing global partners - We are currently working with several global 
partners (transaction processing, marketing and software development) like Marqeta, VISA and 
others. We have agreed to work with several government-insured banking partners to continue 
developing futuristic fintech products that are sure to meet regulatory standards and push the 
financial sector of the blockchain forward. 
 
 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
21 

 

ICO Schedule & Details  
- - - - 
 
Private Sale Details 
____________________________ 
 
Start Date  COMPLETED NOVEMBER 21st, 2017 

Duration of Private Sale  30 Days Until December 7th 2017 or until 
$1M USD has been contributed. 

Price Of AriseCoin Cryptocurrency  117.647058823529412 

Price of aEx ERC20 Tokens  $0.84 

Minimum AriseCoin Contribution  $5 

Minimum aEx Contribution  $5 

Free aEx   50 Free aEx Tokens for every 1 ACO 
purchased.  

Hard Cap / Soft Cap  $1M USD / $500,000 USD.  
 
 
Pre-Sale Details 
____________________________ 
 
Start Date  November 25th, 2017 at 12AM CST. 

Duration of Private Sale  30 Days Until December 26th, 2018 or 
until $500M USD has been contributed. 

Price Of AriseCoin Cryptocurrency  119.14605 

Price of aEx ERC20 Tokens  $0.96 

Minimum AriseCoin Contribution  $50 

Minimum aEx Contribution  $50 

Free aEx   40 Free aEx Tokens for every 1 ACO 
purchased.  

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
22 

 

Hard Cap / Soft Cap  $500M / $100M 
 
 
Public Sale Details 
____________________________ 
 
Start Date  December 26th, 2018 at 12AM PST. 

Duration of Private Sale  Until January 27th, 2018 or until $500M 
USD has been contributed. 

Price Of AriseCoin Cryptocurrency  124.11791 

Price of aEx ERC20 Tokens  $1.13 

Minimum AriseCoin Contribution  $100 

Minimum aEx Contribution  $100 

Free aEx   30 Free aEx Tokens for every 1 ACO 
purchased.  

Hard Cap / Soft Cap  $500M / $100M 
 
Important ICO Details 
____________________________ 
 
Option for Early Termination  Yes, after reaching the hard cap of $1B 
dollars (USD) 

AriseCoin Circulation Limit / aEx Circulation Limit  16,500,00ACO // 90,000,000AEX 

AriseCoin and aEx Distribution Date  February 10th, 2018 at 12AM PST 

Where To Create an AriseCoin Wallet?  Download the Desktop Wallet for 
AriseCoin or create a web-based 
wallet at http://my.arisecoin.com 

MinCap  $100M, all funds will be returned if not 
met. 

Adjustable Distribution  Unsold and unallocated aEx tokens 
and AriseCoin will be destroyed. 

   

   

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
23 

 

 

 

CHAPTER 2 

aBank 
 

The first decentralized banking platform®.  
Make your money work as hard for you, as you work for it.  

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
24 

 

aBank Introduction  
- - - - 
Being the first crypto bank will never be our true identity. We believe banking is all of our 
business, yet who you are is none of our business. Our plan that one day, you would control your 
money and banks would put money in your pocket, is no longer a roadmap. It's an exciting reality 
born through experience, our leadership who saw things differently and a vision born within the 
very communities that needed it most.  
 
The AriseBank platform gives users the option to operate in a truly decentralized 
format where only cryptocurrencies are used or in a semi-decentralized 
environment, if fiat and the use of credit cards and bank accounts are needed. The 
choice is ultimately up to the user but a user’s cryptocurrency balance is always in 
control of the user on their computers or private servers, no matter the scenario. 
 
aBank is the name of the platform that powers the entire AriseBank software. aBank is beauty, 
banking & transparency all built into one product. The power of the aBank™ interface and the 
intuitive, yet sleek design, enable you to see your entire financial world at a glance, that no other 
bank in the world can provide. The ease of use, speed, consolidation, readability and the ability to 
navigate with little to no effort, makes it the most powerful banking interface on the market 
today. 
 
In short, with the birth of the aBank platform, the post-banking era has begun. The entire Arise 
banking experience sits on top of our powerful, yet beautiful aBank platform that was built with 
security, beauty and user experience in mind. Online banking will never be the same and way 
you use a bank will never be the same.  
 
The problems we set out to solve with the aBank platform: 
 
- Modern day banks do not allow their customers to control their money. The money is 
always in control of the banks themselves. 
- Banks fail to make their customer’s profits while banking with them and instead charge 
their customers money for accounts. 
- Banks do a horrible job of protecting customer information and are often subject to 
hacks and their customers are often victims of these attacks. 
- The central banking system is not in the favor of the people, rather it’s in the best interest 
of those who operate the different entities within the central banking system.  
- The central banking system creates an environment that builds on poverty, rather than 
chipping away at poverty. 
- Banking is old, outdated, ugly and hard to use.  
- Banking requirements are heavily in favor of those with perfect credit. It is very rare that a 
person trying to rebuild their credit can get a bank account. 
- Merchant-services companies have too much control, often shutting down customer 
accounts and blackballing them from being able to accept money.  
- Cryptocurrency VISA/Mastercard debit cards are only available for a few cryptocurrencies. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
25 

 

aBank Features 
- - - - 
The aBank platform brings together many popular cryptocurrency services into one platform, 
while also making it easy for novice users to use these services. 
 
The services are as follows: 
 
aBank Open API - aBank’s desktop and mobile application allows you to either connect to our 
main aBank API servers or run your own. It is completely open source and easy to install and use. 
Everything from aTMs to the aBank application operate on this open API network and broadcast 
data to each other over transport-agnostic remote procedure calls.  
Wallet and Account service - aBank allows customers to create wallets and accounts, based 
around over 700 cryptocurrencies and tokens. This list of digital assets are constantly growing.  
Cryptocurrency and token exchange - aBank includes it’s own exchange for both 
cryptocurrencies and tokens called “aEx”. The aEx is also backed by a smart contract for 
Ethereum-based token to token swaps. aBank’s exchange is the only exchange free of exchange 
fees, backed and paid for by the gains across the aBank platform. 
AI-based auto trading - Perhaps the most powerful feature of aBank is its “aiExchanger” 
platform, allowing the auto-trading of cryptocurrency and token assets in aBank accounts, across 
50+ exchanges around the globe. Allow for gains for AriseBank customers and the generation of 
eACO (Expiring AriseCoin). 
Cryptocurrency and token transfer service - “aTransfer” allows aBank customers to transfer 
cryptocurrencies and tokens to any wallet on the blockchain-based wallet service, including 
aBank accounts, related to the transfer. aTransfer within aBank accounts is totally free of fees. 
Blockchain-based customer identity verification - “AriseID” allows for customers to identify 
themselves on the AriseBank platform, without AriseBank or the platform knowing their true 
identity, by allowing a customer’s identity to be verified through a verification service and their 
mobile phone and then establishing a “Verified” status and a new Bitcoin blockchain-based ID, 
that is used to identify and separate users on the aBank platform. 
Visa-Powered Virtual and Physical Debit Card(s) - “AriseCard” allows for aBank customers to 
spend their assets within aBank with a physical AriseCard that can be swiped globally, wherever 
VISA is accepted or by tapping their phone, utilizing NFC-based technologies. AriseCard is 
powered by Marqueta’s industry leading API, allowing for instant card deployment and usage. 
Cryptocurrency merchant services - “aPay” allows businesses to accept over 700 
cryptocurrencies at checkout online and in-store. aPay makes it easy for any business to accept 
these cryptocurrencies and certainly aims to increase the circulation of cryptocurrencies and 
digital assets around the globe, while also giving customers more and more places to spend over 
time, without having to use their AriseCard. 
Cryptocurrency ATMs - “aTMs” allow customers to retreive cash for their cryptocurrencies or 
digital assets within their aBank accounts at over 1100 locations that we have currently 
pre-planned and pre-negotiated prior to the launch of aBank beta. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
26 

 

Complete Decentralization 
- - - - 
The aBank platform is installed on mobile devices and desktop devices and operates on these 
devices, rather than on a domain name and servers within our data centers. The platform does 
use our API servers but allows for the user to utilize one of our many open source API protocols 
for any of the cryptocurrencies on our platform and edit their account settings to utilize their API 
servers, rather than ours.  
 
So how can I operate my own private API servers? 
We have many of our popular cryptocurrency API’s available for you to use. For example 
(https://www.npmjs.com/package/apocket-api). These API softwares are very easy to install, use 
and well-documented. All of our API server-side software packages are provided to the public 
under the well-known MIT license and available through the NPM marketplace and GitHub, as 
well as our AriseLabs repository (http://labs.arisebank.com).  
 
Will other aBank services work if I use my own API servers? 
Of course. Our aBank software platform is built to work with these API software packages, 
whether they are hosted with us or hosted with you. By providing an API key from your server, you 
are giving the AriseBank platform the permission to trade your assets and other permissions, as 
long as they are enabled in your account. 
 
Platform Decentralization Diagram (Figure I-A) 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
27 

 

Account & Wallet Structure 
- - - - 
The feature of accounts is unique to the AriseBank platform as most wallet services organize 
cryptocurrencies by simply allowing users to create multiple wallets within their online wallet 
services or decentralized wallet storage applications. AriseBank took an account-first approach, 
something consumers around the world are very familiar and something they are sure to 
understand and warm to. 
 
aBank accounts are always cryptocurrency-based. If an account is based on Bitcoin, then it can 
only contain Bitcoin wallets within that particular aBank account.. Each account can have 
unlimited wallets within it and aBank users can have unlimited accounts within the aBank 
platform. aBank accounts can also be labeled, as well as wallets within those accounts. This 
allows for easy organization by aBank customers and makes for an easy way to navigate accounts 
and wallets when using services like aTransfer, aEx and aiExchanger. 
 
 
Account & Wallet Structure Diagram (Figure I-B) 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
28 

 

aOS-Based Network 
- - - - 
aOS is the first blockchain operating system. A tiny, fast & secure container OS for the blockchain 
world. All of our aBank-based API networks, aTMs and aiExchanger machines are ran on top of 
our aOS (AriseOS) Linux operating system. aOS is a container-based operating system built to 
work with blockchain software and decentralized applications.  
 
aOS has many features that include the following: 
 
Easy Deployments - Whether deploying from our GitChains™ repository or trying to deploy on 
Kubernetes using Dockerfiles, aOS makes it easy to deploy blockchain software. Our network 
knows how to deploy blockchain containers automatically. 
 
Pre-built Dependencies - Blockchains differ not only in features but also dependencies. We 
have categorized every blockchain into “Flavor” groups and created volume images that can 
easily be mounted to aOS containers. By doing this we keep our blockchain containers very light 
and the aOS codebase is below 5MB in size. This also saves a lot of resources within our data 
centers, creating a great environment for customers. 
 
Read-Only File System - Blockchain data, especially wallet data should only allow writes from 
the blockchain daemon itself or the aBank API servers that are allowed write permissions. aOS™ 
does just that by utilizing it’s read-only file system, making it harder on hackers to get what they 
want.  
 
100% Free - aOS™ was built for the community, not just AriseBank networks. It will always be 
open source and it’s something we are consistently working to improve. Take it for a test drive 
and let us know what you think! 
 
Use Any Blockchain - aOS™ was built with every blockchain in mind. We have tested aOS™ with 
every blockchain and many companies like Arise use aOS™ in production. 
 
Fully Documented - We have great documentation when it comes to installing aOS™, deploying 
blockchains, attaching dependency volumes and other things pertaining to the usage of aOS. 
 
Built To Scale - If you are running an exchange or a large-scale blockchain deployment, aOS™ 
teamed with Kubernetes finally brings scalability to the blockchain at the data center level.  
 
Fully Supported - We fully support aOS™ from the ground up and have a specialized 
management plan for those seeking to mass deploy aOS™-based blockchain environments with 
our aBaaS™ (Blockchain as a service) service or banking or exchange platforms utilizing aOS. 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
29 

 

AriseID Onboarding 
- - - - 
AriseBank and the aBank platform introduce an entirely new way of verifying customers and 
securing private customer information. The onboarding process is very unique and complex but 
easy for users to get through within a few minutes. Logging back into the aBank platform, after 
registration is easy and fast. Below is an explanation of the login/registration process for aBank. 
 
 
Registration Process: 
- Customer downloads the aBank application to their computer or their mobile phone.  
- If customer is on a desktop, they are asked to download the AriseID application on their 
mobile device. 
- If customer is on a mobile phone, they are presented with a link to download or open 
AriseID on their mobile device. 
- Customer downloads the AriseID mobile application for Android, iOS or Windows and 
opens the application. 
- Customer provides their private information (Name, Address, City, State, Zip, Phone, 
Email). 
- Custom data is sent to Blockscore’s API to verify their identity and sends whether the 
customer has been verified or not back to the AriseID application. 
- If verified and not considered a risk by Blockscore, the customer is asked to scan their 
government identification and enter the last 4 digits of their social security number. This 
data is quickly deleted after sending to Blockscore’s API and a message of whether 
verified or unverified is sent back to the AriseID application. This information must match 
their name, address and other information. 
- Once verified, a Bitcoin address is signed with a public and private key, generated from 
the mobile device of the AriseID user and is assigned to the user inside the AriseID 
application. The customer will also be asked to create a 6 digit pin at this stage. 
- Customer can then scan the QR code that appears on the registration page on 
AriseBank, where their account is created with the corresponding AriseID ID# (Bitcoin 
wallet address).  
- A secret password is then created, a 12 word mnemonic phrase, that the user should 
keep, in order to use their aBank account in the future, in case their application is 
accidently deleted from their computer.  
- The aBank account is created and the user is now logged into the aBank dashboard for 
the first time. 
 
Login Process: 
- The aBank dashboard logs users out automatically after 2 minutes of inactivity.  
- When a user is logged out, a QR code must be scanned from the AriseID app in order to 
login. The mnemonic phrase is never used, unless a aBank account is being imported and 
the QR code must still be scanned for entry.  
- When accessing the AriseID app to scan the QR code, the user will need to verify through 
facial recognition (FaceCoin), thumbprint verification (ThumbCoin) and enter their 6 digit 
pin, created during the onboarding process. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
30 

 

Integrated Cryptocurrencies & Digital Assets 
- - - - 
Over 700+ cryptocurrencies and digital assets are available on the aBank platform, below you can 
find a list of all of the cryptocurrencies and tokens compatible with the aBank platform. 
 
This list of cryptocurrencies works with the following aBank services: 
 
- aBank Accounts/Wallets 
- aEx 
- aiExchanger 
- aPay 
- AriseCard 
- aTM 
- aCharts 
- aTransfer 
 
 
Bitcoin  DigiByte  adToken  EarthCoin  Monaco 
Ethereum  Status  Counterparty  FirstCoin  Voxels 
Ripple  PIVX  Quantum  DigitalNote  Bitcoin Plus 
Ethereum  Basic Attention  BitBay  WeTrust  Quark 
Classic  Token  YbCoin  Golos  Bitcrystals 
Litecoin  Komodo  E-Dinar Coin  BCAP  MonetaryUnit 
Dogecoin  Nxt  PotCoin  Mysterium  Pepe Cash 
Dash  Bancor  ZCoin  E-coin  Energycoin 
NEM  FirstBlood  vSlice  NAV Coin  ION 
Monero  DECENT  Humaniq  Groestlcoin  NoLimitCoin 
IOTA  TenX  DaxxCoin  Databits  Clam 
eOS   Metal  SIBCoin  Wagerr  Patientory 
BitShares  SingularDTV  BlackCoin  Agoras Tokens  Infinitecoin 
ZCash  Aragon  Blocknet  NeosCoin  LoMoCoin 
Stratis   FunFair  Synereo  GridCoin  OKCash 
Steem  MobileGo  Elastic  LuckChain  XtraBYtes 
AriseCoin  Peercoin  I/O Coin  bitCNY  AdEx 
ClassCoin  LEOcoin  ChainCoin  Matchpool  Pluton 
AntShares  BitcoinDark  SaluS  Expanse  Unobtanium 
Veritaseum  SysCoin  Swarm City  Cofound.it  MUSE 
Waves  Nexus  Viacoin  Chronobank  BelaCoin 
Golem  Lykke  Mooncoin  Feathercoin  FoldingCoin 
Gnosis  Edgeless  Novacoin  SuperNET  Gambit 
SiaCoin  Round  Unity Ingot  Radium  VeriCoin 
Bytecoin  Ark  Burst  Shift  Primecoin 
Augur  Emercoin  Vertcoin  Nexium  EncryptoTel 
Byteball  Verge  TokenCard  MergeCoin  VPNCoin 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
31 

 

Iconomi  Ubiq  TaaS  SpreadCoin  DNotes 
Lisk  Namecoin  Crown  Rubycoin  ZenCash 
Stellar Lumens  ReddCoin  FairCoin  Aeon  Safe Exchange 
Decred  Soarcoin  Ethereum Movie  HEAT  SecureCoin 
Factom  Etheroll  Venture  ZcCoin  HunterCoin 
MCAP  Asch  E-Currency Coin  XCurrency  Qwark 
DigixDAO  iExec RLC  Sprouts  Synergy  CannabisCoin 
GameCredits  Melon  Espers  Sequence  Adzcoin 
Ardor  Wings  Steem Dollars  Digitalcoin  TransferCoin 
WorldCoin  MonaCoin  Circuits of V...  Zeitcoin  Octanox 
Jinn  Numeraire  PutinCoin  MaxCoin  Tao 
Creditbit  Gulden  PinkCoin  Vcash  Crave 
NVO  DubaiCoin  Myriad  HitCoin  Breakout 
Cryptonite  CloakCoin  NautilusCoin  ArtByte  Visio 
SolarCoin  Storjcoin X  BoostCoin  Bitswift  Virtacoinplus 
Diamond  Peerplays  APX  BlockPay  GeoCoin 
FlorinCoin  Storj  BitSend  Hush  Pesetacoin 
Einsteinium  Xaurum  Curecoin  Boolberry  HyperStake 
Pascal Coin  Omni  GoldCoin  Project Decorum  HTMLCOIN 
Bankcoin  LBRY Credits  Mintcoin  Zetacoin  Minereum 
Rise  Skycoin  RaiBlocks  Dimecoin  Tickets 
Sphere  Quantum  Darcrus  iCash  Adelphoi 
Megacoin  Resistant Ledger  Spectrecoin  Incent  PoSW Coin 
Musicoin  OBITS  Zennies  Blitzcash  Altcoin 
Auroracoin  Riecoin  CryptoPing  HealthyWormCoin  2GIVE 
Mediterranean...  RouletteToken  Netko  ChanCoin  WhiteCoin 
EB3 Coin  Bata  e-Gulden  Sterlingcoin  Mercury 
bitUSD  TagCoin  CryptoForecast  DIBCOIN  Renos 
Lunyr  AudioCoin  Magi  BipCoin  IncaKoin 
Bitland  VeriumReserve  FujiCoin  PIECoin  TrustPlus 
ZrCoin  InsaneCoin  Woodcoin  Marijuanacoin  EquiTrader 
Atmos  InPay  PepeCoin  Franko  FUNCoin 
InstantDEX  Legends Room  DT Token  CompuCoin  Fastcoin 
Global Curren...  ZClassic  Neutron  Master Swiscoin  NuShares 
BitBean  ReeCoin  Syndicate  KingN Coin  HempCoin 
1337  Triggers  Centurion  Jin Coin  EverGreenCoin 
Ixcoin  Breakout Stake  iTicoin  Global Tour Coin  VOISE 
iDice  KoreCoin  BritCoin  ICOBID  Pandacoin 
DopeCoin  CryptoCarbon  ParkByte  GPU Coin  Ripto Bux 
Creativecoin  Dotcoin  GlobalCoin  GlobalToken  BTSR 
Dynamic  FedoraCoin  Crypto Bullion  TheGCCcoin  HiCoin 
Bitmark  ExclusiveCoin  Condensate  Universe  Startcoin 
EuropeCoin  Anoncoin  Moin  Freicoin  NewYorkCoin 
vTorrent  Elcoin  CageCoin  Eryllium  E4ROW 
FIMKrypto  Francs  Stealthcoin  Luna Coin  Terracoin 
TrumpCoin  Cryptojacks  Triangles  Cashcoin  Hacker Gold 
Bitcore  Asiadigicoin  Helleniccoin  Unify  Tokes 
AllSafe  Torcoin  Colossuscoin V2  BriaCoin  Sexcoin 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
32 

 

Piggycoin  Coin2.1  Karbowanec  Blackstar  Sovereign Hero 
Veros  Emerald Crypto  GCoin  Virta Unique ...  LiteDoge 
Machinecoin  bitSilver  SmartCoin  CrevaCoin  TileCoin 
Denarius  PRCoin  Miners' Rewar...  LevoPlus  Carboncoin 
Vsync  Sumokoin  HOdlcoin  Wexcoin  DigitalPrice 
Footy Cash  KiloCoin  ProCurrency  SocialCoin  Joincoin 
808Coin  bitEUR  BunnyCoin  CCMiner  UltraCoin 
Phoenixcoin  bitGold  Greencoin  Ebittree Coin  Cannacoin 
Elementrem  Prime-XI  Fantomcoin  Onix  FlutterCoin 
Pakcoin  LanaCoin  Trollcoin  Abncoin  TEKcoin 
CHNCoin  Kayi  HoboNickels  Honey  Putin Classic 
EcoCoin  UnbreakableCoin  Dinastycoin  Rupee  OctoCoin 
NuBits  Solaris  Happycoin  Digital Money...  PipCoin 
Pascal Lite  MojoCoin  Capricoin  Arcade Token  UniCoin 
Rubies  Bolivarcoin  XP  Bitpark Coin  8Bit 
Newbium  Scorecoin  Yocoin  InsaneCoin  Bitcloud 
bitBTC  Ratecoin  ArcticCoin  Janus **  Guncoin 
DeepWebCash  OHM Wallet  Bytecent  Wild Beast Block  Eternity 
WavesGo  Linx  Influxcoin  AsiaCoin  MACRON 
LiteBar  Neuro  42-coin  Cryptofund  Photon 
BERNcash  Allion  PostCoin  BitcoinTX  Yacoin 
Good Karma  Kurrent  Deutsche eMark  SmileyCoin  Grantcoin 
Canada eCoin  Pesobit  Zero  YashCoin  Chronos 
BlueCoin  Titcoin  Electra  TeslaCoin  Valorbit 
Dashcoin  Shorty  NobleCoin  Bitz  Tigercoin 
RussiaCoin  BTCtalkcoin  Unitus  Coin(O)  Aricoin 
Ethbits  Casino  NetCoin  Flycoin  Vault Coin 
ShadowCash  Zoin  UFO Coin  Bottlecaps  RevolverCoin 
Version  FuelCoin  GoldBlocks  AmberCoin  Digital Rupees 
MetalCoin  PureVidz  AgrolifeCoin  LottoCoin  Joulecoin 
SuperCoin  GoldReserve  CorgiCoin  Universal Cur...  Marscoin 
CryptCoin  BitTokens  PayCoin  SwagBucks  Wyvern 
Rare Pepe Party  Nyancoin  Mineum  Xiaomicoin  Bitzeny 
BitBar  AurumCoin  KibiCoin  PetroDollar  PopularCoin 
I0Coin  Bitcoin Planet  ChessCoin  GameUnits  VirtualCoin 
Orbitcoin  Stress  Veltor  Truckcoin  SproutsExtreme 
Ultimate Secu...  Rimbit  QubitCoin  Tattoocoin  Cypher 
Devcoin  Blakecoin  Swing  Bitcurrency  Prototanium 
MazaCoin  PayCon  CasinoCoin  CacheCoin  HempCoin 
Bitstar  Catcoin  QuazarCoin  MTMGaming  DigiCube 
MarteXcoin  Debitcoin  C-Bit  Dollarcoin  Darsek 
Pangea Poker  Dobbscoin  WayGuide  TittieCoin  GoldPieces 
Kobocoin  Ammo Rewards  Sativacoin  Beatcoin  Quatloo 
The Cypherfunks  AnarchistsPrime  Theresa May Coin  Cabbage  RedCoin 
GAIA  SoonCoin  CryptoWorldX  Orlycoin  KushCoin 
Atomic Coin  SixEleven  UCoin  G3N  Acoin 
BillaryCoin  Sling  CryptoEscudo  Argus  Virtacoin 
Pulse  Ride My Car  ARbit  OsmiumCoin  Philosopher S... 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
33 

 

Kittehcoin  MiloCoin  Comet  Shilling  SpaceCoin 
Evotion  Crypto  Creatio  GameBet Coin  ParallelCoin 
X-Coin  Unrealcoin  B3Coin  TAGRcoin  AquariusCoin 
Hexx  Metal Music Coin  MustangCoin  JobsCoin  UniBURST 
PX  Zayedcoin  BnrtxCoin  Concoin  PlatinumBAR 
SongCoin  Revenu  RonPaulCoin  Zonecoin  Artex Coin 
Cannation  AntiBitcoin  Litecred  Flaxscript  GBCGoldCoin 
BeaverCoin  ZetaMicron  Solarflarecoin  VIP Tokens  Dreamcoin 
AmsterdamCoin  Uro  Speedcash  LTBcoin  BigUp 
Firecoin  BitQuark  Tristar Coin  DAPPSTER  WMCoin 
Argentum  LeaCoin  VapersCoin  Zurcoin  Vector 
SecretCoin  BiosCrypto  FlavorCoin  Xonecoin   
TajCoin  23 Skidoo  CoExistCoin  Impact 
Money  IslaCoin  Evil Coin   
Jewels  Printerium  BumbaCoin   
Dollar Online  BlazeCoin  SatoshiMadness   
Eurocoin  Destiny  Spots 
MindCoin  Steps  Gapcoin 
PonziCoin  NevaCoin  GuccioneCoin 
Bitcoin 21   
Independent M...   
Alexium   
Halcyon 
 
 
 
 
 

-  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
34 

 

Device Compatibility 
- - - - 
The aBank platform is compatible with multiple device types. From desktop devices, tablets, 
mobile phones and smartwatches, in different capacities. Below, we break down aBank device 
compatibility.  
 
 
Mobile Phones  Desktops  Tablets  Smartwatches 

iOS   MacOSX  iOS   iWatch 
Android  Windows  Android  Samsung 
Windows  Linux  Windows 
 
Per-Device Features 
 
Device Type  Included Features 

Mobile Phones  aBank 
aEx 
aiExchanger 
aTransfer 
aPay 
AriseCard 

Desktops  aBank 
aEx 
aiExchanger 
aTransfer 
aPay 
AriseCard 

Tablets  aBank 
aEx 
aiExchanger 
aTransfer 
aPay 
AriseCard 

Smartwatches  aBank balance 
aiExchanger notifications / updates 
aTransfer notifications / updates 
aPay notifications / updates 
aEx notifications / updates 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
35 

 

aBank Open API 
- - - - 
The aBank Open API is the decentralized and globally connected brain of the aBank platform. 
aBank’s API circulates every AriseID (customer) associated with the platform, along with the 
corresponding wallets and account data associated with that AriseID. All other data is available 
through the 700+ blockchain APIs integrated into the Open Sunrise API, all of which work with 
our homegrown R.I.S.E. (Robotic Interoperable Secure Exchange) protocol. 
 
List AriseIDs 
/abank/listIDs 
 
List AriseBank accounts by AriseID 
/abank/{ariseid}/accounts 
 
Add a multisig address to an already existent wallet on the given blockchain. 
/abank/{asset}/addMultiSigWallet/{requiredSignatures}/{keysOrAddress} 
 
Add a witness address to a wallet on the AriseBank platform for the given blockchain. 
/abank/{asset}/addWitness/{walletAddress} 
 
Get a wallet balance from the given blockchain. Wallet doesn’t have to be on the AriseBank platform. 
/abank/{asset}/bankAccountBalance/{accountName} 
 
Find the AriseBank account, associated with the given wallet address, related to the given blockchain. 
/abank/{asset}/bankAccountOfWallet/{walletAddress} 
 
Get all addresses associated with the given AriseBank account on the given blockchain. Account must 
be associated with the AriseBank banking platform. 
/abank/{asset}/bankAccountWalletAddresses/{accountName} 
 
Create a bank account associated with the given blockchain on the AriseBank platform. This account 
will be automatically accessible with the AriseBank account that is associated with the API key in use. 
/abank/{asset}/createBankAccount/{nameForBankAccount} 

Create a wallet within a given AriseBank-based blockchain bank account 
/abank/{asset}/createAccountWallet/{bankAccountToAssociate} 
 
Create a multisig wallet address on a particular blockchain. 
/abank/{asset}/createMultiSigWallet/{requiredSignatures}/{keysOrAddress} 
 
Returns a new wallet address for receiving change on the given blockchain. This is for use with raw 
transactions, not normal use. 
/abank/{asset}/createRawChangeWallet 
 
List all accounts for the given blockchain that are currently active within the AriseBank banking 
platform. 
/abank/{asset}/listBankAccounts/{confirmations} 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
36 

 

 

 

CHAPTER 3 

AriseID 
 

Blockchain-based identity verification®.  
Not even your bank knows who you are or what your private 
information is. Everything is private, as it should be. Your new ID. 

AriseID Introduction  

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
37 

 

- - - - 
AriseID™ was first created to help AriseBank™ comply with "Know your customer" (KYC) 
requirements. In the end, a new verification platform was born, where only you know who you 
are, where platforms can still confirm your identity, without ever knowing it.  
 
Easily and Securely Verify Yourself. 

AriseBank and other platforms care about one thing. You are who you say you are. We don't 
need your data to confirm that, nor do we care to mitigate the risks associated with storing this 
information. Using Blockscore's API, your phone is able to verify that it's really you 
 
 
Your Powerful New Bitcoin ID. 

AriseID utilizes the Bitcoin blockchain to generate a new ID number that is shared with 
AriseBank and other AriseID platforms. A unique ID that is stored forever on the Bitcoin 
blockchain to separate you from other customers. 
 
 
Easily Login With Your AriseID™ 

Once you are signed up with an AriseID-powered platform, you can easily login by scanning a 
QR code on platform's login page through your AriseID mobile app. After you verify your 
thumbprint, AriseID pin and confirm your facial identity of course. 
 
 
Blockchain-Based Encryption Should Power Everything. 
 
In a world of security flaws, constant identity verifications and companies weak on security, 
your identity has always been at risk. As the world becomes more internet dependent, the 
identity verification process has been under major scrutiny. 
 
 
At AriseBank™, we refused to be caught up in a security flaw that could ultimately end our goal 
of recreating the banking industry and it started with protecting our user's private information. 
Everything from your personal information to AriseID™ pincodes are encrypted using many 
Bitcoin-based encryption protocols like BIP32 
 
The new process for identity verification has arrived, on the blockchain. AriseID's identity 
verification process is next to none and virtually unhackable. From onboarding to the blockchain 
to logging in with your identity, your personal information has never been safer. 
 
From verifying your social identity, to your personal data and creating your AriseID pincode, the 
onboarding process takes a few minutes and will be the last time you ever have to hand over 
your private information. As long as you are verifying your identity with AriseID-powered platforms 
and companies. The security of the onboarding process is the best features, where your personal 
data is entered on your mobile phone and never shared with our servers or any other company. 
While also verifying with the industry's leading verification service Blockscore. 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
38 

 
AriseID uses Bitcoin's blockchain and libraries like BitcoinJS to generate a new wallet address, 
that is then signed using public and private keys that are only known to your cell phone device. 
This wallet address becomes your new identifier to the world. Replacing the new of using your 
government-based ID or social security number to verify your identity. A corresponding number 
is also generated with Blockscore's network, where credit checks and other ongoing verification 
needs can be checked when needed, by the platforms you're apart of. 
 
Once you have verified yourself on your AriseID application, your mobile phone generates your 
new ID. This new ID signals to other AriseID-powered platforms that your identity is verified and 
you are who you say you are. Allowing you to easily signup or login into these platforms by simply 
scanning a QR code on their signup or login pages, via your AriseID mobile app.The days of 
giving companies you'll never truly trust, your trusted and private information, are officially over. 
 
The problems we set out to solve with the AriseID platform: 
 
- Banks do a horrible job of protecting customer information and are often subject to 
hacks and their customers are often victims of these attacks. 
SOLVED: 
  A
 riseID   
verifies    
a   
customer   
entirely   
outside   
of   
the 
  aBank 
  
platform. 
  
The 
  aBank 
platform 
  
only   
knows   
a   
customer    
by 
  
their    
AriseID   
#  
and 
  is 
  
able   
to 
  
differentiate 
customers 
  through 
  a   
QR 
  Scanner   
and   
the   
AriseID 
  Protocol.  
 
- Most software platforms store things like email addresses and phone numbers, 
potentially exposing this information to hackers. In order for a software platform to send 
text messages or email updates to a customer, they would have to store this information.  
SOLVED:    T
 he 
  aBank 
  
platform   is 
  
able   
to 
  
communicate   with 
  
the   
AriseID    
Protocol 
  
to   
contact 

  customer's   mobile   
device 
  and 
  send 
  
notifications,    
emails   
and   
SMS 
  messages, 
  
if   
enabled 
in 
  the 
  AriseID   
application.   Without   
our   
platform 
  
ever   
knowing    
this 
  information 
 
- The need to store credit card data and bank data is a major risk. A risk we were not willing 
to take on or have to be responsible for.  
SOLVED: 
  T he 
  aBank 
  
platform    just   
like   
it   
does   
with    
email    
addresses   
and   
passwords,   
is 
able 
  
to 
  
charge    
credit    
cards   
and     
send/withdrawal    from   bank   
accounts 
  by 
  
sending   
commands 
through 
  the 
  AriseID   
protocol.    
In   
this   
way,    
the 
  aBank    
platform    
never 
  knows 
  
your 
  credit 
card 
  
or 
  
bank   information.    
Credit    
cards   and   
bank   
accounts    
can   
easily 
  be 
  
added 
  
inside    
the 
AriseID 
  mobile   
app. 
 
 
AriseID protocol codebase is available in the NPM repository: 
https://www.npmjs.com/package/ariseid 
 
For a demo of the AriseID login/registration process: 
https://demo.ariseid.com 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
39 

 

BIP70 Protocol-Based Security 
- - - - 
Cryptocurrency websites and applications shouldn’t have to rely on artificial identification 
methods such as usernames and passwords. AriseID is an open protocol allowing simple and 
secure authentication using public-key cryptography. 
 
Classical password authentication is an insecure process that could be solved with public key 
cryptography. The problem however is that it theoretically offloads a lot of complexity and 
responsibility on the user. Managing private keys securely is complex. However this complexity is 
already being addressed in the Bitcoin ecosystem and the Bitcoin ecosystem is the most 
advanced blockchain in the blockchain-sphere. By utilizing a mobile application like AriseID, we 
offload the weight of secure key management from the user and put it on the application. 
Public key authentication happens to be the most secure way of verifying customers, in ways 
where two factor authentication cannot compete and with AriseID, we simplify the entire 
process from registration to future logins, purchases and more. 
 
Experiment: 
 
Let’s have a short experiment and explain it out in a real life scenario. One weekend you decide 
to go to a Dallas Cowboys game. 

● You: Hey, I need two tickets to the game. 
● Box Office Attendant: Ok give me your name, address, credit card number, expiration 
date and cvv code as well as your billing zip code. 
● You: I don’t trust you and I’m not giving you that information. 
● Box Office Attendant: ???????  
● You: What’s wrong with that? 

In the digital and real world, it no longer makes sense to hand over your personal data. There 
are simply too many risks. There are a few things wrong with this old way of identity 
verification: 

‑ The   
concept    
of   
identity    
verification    
is   totally    
outdated    
and    
wrong    in 
  many   
ways.    
In 
many   
scenarios,    
handing    over   
your    
identity    happens    in 
  situations    where    
identity 
verification    
isn’t   
needed. 
‑ Customers    
don’t    
gain   anything    
by 
  handing    
over    
their    
private    
data.    
They    
aren’t    rewarded. 
At 
  
best,    they   
are   
put   at   
risk   by 
  allowing    
someone    
else    
to   
store    
this    
data.    
The   recent 
Equifax    
hack    
proves    
that    
even   the   
most    
trusted    
sources    
cannot    
be   trusted. 
‑ Even   
small    businesses    
are   required    to 
  be   
secure    
data   hosts    
when    
in   some   situations    
they 
simply    
sell   candles    
or   
even    
clothes.    
We   
can    
no   
longer    rely   on   
every    company    in   
the 
world   
to   become    
secure    
data    
hosts. 
‑ This   
is   what   
makes   hacking    
so   
profitable    
and   by   
stopping    
the    
norm    
of   
small    
businesses 
or 
  
any    
business    
for   
that    
matter    
from    
focusing    on   
being    
secure    
data    
hosts    and   
letting 
them   
focus    
on   
what   
they    do 
  best   
(products/services)    the   
world    
becomes    
safer    
and    
it 
moves   
faster. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
40 

 

AriseID Mechanics + MetaData 
- - - - 
 
The metadata associated with the bitcoin address (AriseID number) and 
payment requests on the BIP70 protocol, we can add value to the customer’s 
experience. 
 
Database metadata format. 
 
Using a mobile device's local SQL storage mechanisms, we can easily store database  
tables for AriseID, that is completely off the web and blocked down to the phone itself. 
 
This is what a database table looks like on a mobile device that hosts AriseID applications: 
 
TABLE 
  
ariseid_abank 
   
ariseid_number    
STRING, 
   
protocol_platform_number    
STRING, 
   
platform_host   
STRING, 
   
platform_pub   
STRING, 
   
platform_priv   
STRING, 
   
id_pub 
  STRING, 
   
id_priv   
STRING, 
   
id_created   
INTEGER, 
   
last_login  INTEGER 
  
 
Queries are made on ariseid_number  a   nd platform_host 
, which means there are two indexes in 
the table itself, one for each. 
 
id_created and last_login are both timestamps maintained by the AriseID application. 
 
Note: In order for platforms to use AriseID, they must have the ability to import and export 
private and public keys, that are in no way related to the same private and public keys used to 
create the bitcoin address (AriseID number). 
 
 
Request for authentication 
 
When a request for authentication on the aBank platform (as an example), is received, 
ariseid_abank database table is queried on platform_host 
 
If no AriseID is found, then a new AriseID (bitcoin address) is created and added to the database, 
along with the platform_host . If an ID is found, it is used to authenticate with the platform the 
QR code is scanned from. That platform must be the same as the platform_host host associated 
with the ariseid_number 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
41 

 
 
 
 
Payment requests with aTransfer, aEx and aPay 
 
When a BIP70 payment request is received and paid by the user, an entry must be added in the 
local application database and the AriseID application database. This is all done through the 
protocol.  
 
payment_o_address  i s 
  
the   
originating    wallet   address. 
platform_host 
 i
 s   
the   
host   of 
  
the 
  payment    
url. 
payment_amount 
 i s 
  
the   
paid   amount   
measured   i
 n   
satoshis. 
payment_service 
 i s 
  the 
  platform   
service    like   
aPay 
,  aTransfer  o
 r 
  
other   outside 
  partner 
  services 
used 
 f
 or 
  
payment. 
payment_message 
 i s 
  message   attached   
to   
the   
payment    
request 
 w hen 
  sent. 
 
 
Use cases 
 
 
Authentication 
 
AriseID organizes database tables by platform, so that each platform uses a unique ID number. 
This way, a user doesn’t have to remember anything. They only have to scan a QR code and go. 
 
However, this implies AriseID authentication is based on the hostname of the platform that 
displays the QR code.  
 
 
Decentralized 2-Factor Authentication 
 
Any AriseID-powered user login/registration user experience is designed to be fast, like the 
experience provided by the aBank platform. Having an ID number, related to one public and 
private key, allows for AriseID to decipher between platforms using the protocol_platform 
database string and the labeled table entry point of ariseid_{platform_name}. 
 
For instance, if the auth request URI has p=abank then the AriseID mobile application knows 
what it is connecting to and is able to authenticate within milliseconds and push the user on to 
their usual activity within a dashboard like aBank. 
 
Every login screen or registration screen provides a challenge. A simple scan of the QRcode will 
auto sign the challenge and validate the 2-factor auth. 
 
 
E-commerce 
 
AriseID is not only a savior in the financial sector, it will be a major part of eCommerce moving 
forward. Any marketer understands the art of raising a conversion rate when it comes to their 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
42 

 
advertising campaigns. The less a user has to do, the better their experience and the better their 
experience, the easier it becomes for the eCommerce store to sell products. The less a person has 
to do, the more you sell. With AriseID, a customer’s credit card data is stored in the AriseID app 
and if an eCommerce store is integrated with AriseID, it has the ability to communicate back and 
forth and accept payments using the BIP70 protocol. This is very useful in scenarios where aBank 
Business customers utilize aPay in their eCommerce stores or in-store. A customer’s credit card 
data is never revealed but checkout happens in seconds. The only data that is ever shared with a 
company shipping products is a user’s shipping address, which must be manually entered the 
first time a user uses the store. Like most eCommerce stores, this data is typically saved after the 
first purchase, if the user agrees for it to be saved. Nothing much a hacker can do with just a 
shipping address. This greatly limits online identity theft in more ways than one and keeps 
eCommerce stores from become secure data hosts. 
 
 
Network To Mobile Communications 
 
When sending or receiving information from a platform or the AriseID application, an API server 
is used on the AriseID network to find the mobile device on the network to communicate with.  
 
The same technologies used to display push notifications on a mobile device through a web 
application are similar patent-pending technologies used with AriseID protocol communications 
from the API server down to the mobile device.  
 
arid 
:/
 /api.ariseid.network/need?x=NONCE&s=e 
 
This would request an email to be sent from the application to the email address stored in the 
AriseID customer’s phone. 
 
All granted fields are sent with the callback : 
 

 " e" 
: "
 email@emailaddress.com", 
  " pub" 
: " p
 latform  p
 ublic   
key ", 
  " priv" : "
 platform   private   
key" ,  
  " em" 
: " email 
  message" 

 
This would tell AriseID to send an email, using an SMTP service like Mandrill, to the customer. 
These emails could be an email that someone has logged into their aBank account or that a 
payment on aPay has gone through. This can be used for mobile notifications, sms texts and 
other routes as well.   
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
43 

 

A New ID To Verify With Anyone, Anywhere 
- - - - 
Your new identification lives on the blockchain. After you've verified using the AriseID mobile 
application, a new identity is generated on the Bitcoin blockchain, that is used to communicate 
with your new identity that is only truly known to your mobile device and never shared with 
anyone, even those you signup and verify yourself with. 
 
A newly generated ID on the Bitcoin blockchain. 
 
Once you're verified, using Bitcoin's core protocols, a new Bitcoin wallet address is created with 
public and private keys using various BIP-related protocols. This effectively becomes your new ID 
and how AriseID-powered platforms are able to identity you from other users. This is also how 
these same platforms will communicate with you when needed, saving your email, phone and 
other information from being sold. 
 
 
Platforms use the AriseID protocol to communicate with you and 
send updates. 
 
Anyone who has used the blockchain or has sent transactions is well aware that messages can 
be sent with the transactions amongst other things. These forms of blockchain-based 
communication can also be used to "ping" protocols or applications connected to these 
blockchain-based addresses or when it comes to AriseID, your unique ID. Not just anyone can 
communicate. Only those who have been granted access by you to utilize your ID-based 
authentication keys can do so. 
 
 
Your blockchain-based keys are never shared. 
 
We use our own token-based authentication methods, to help authenticate you using QR-based 
authentication methods. Keeping you real public and private keys that your AriseID is based on, 
only known to your mobile device. This also keeps the bad guys away. These tokens differ 
between AriseID platforms, and change after each login to those platforms. Creating the 
ultimate security for your new identity. 
 
 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
44 

 

AriseID SDK 
- - - - 
We have developed an entire SDK for AriseID as well as a boilerplate UX for companies that 
would like to implement AriseID into their applications. It is our goal to spread the AriseID 
protocol everywhere from a constantly changing financial ecosystem to the world of 
eCommerce. Because customers around the world deserve the ultimate security, when it comes 
to their private data but companies don’t deserve having to manage the massive risk that this 
sort of undertaking requires.  
 
Available SDKs For AriseID 
 
Platform  Available  

Android  Yes 

Apex  Yes 

C#  Yes 

Dart  Yes 

GoLang  Yes 

Java  Yes 

Javascript  Yes 

Kotlin  Yes 

Objective C  Yes 

Python  Yes 

Ruby  Yes 
 
 
 
Important Links: 
 
More information on our SDK can be found at https://sdk.ariseid.com 
For information on the AriseID API, you can use the AriseID API explorer at https://api.ariseid.com 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
45 

 
 

 

 

CHAPTER 4 

 
aEx 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
46 

 

aEx Introduction 
- - - - 
Exchanging digital assets is now easy and for everyone. aEX™ is built with the 
novice and beginner digital asset traders in mind. Trading takes place with four 
simple touches and two screens. No more trading complexities.  
 
aEx Features 
 
Buy digital assets with fiat instantly - Easily buy digital assets using your credit/debit card or 
bank account, by utilizing the AriseID protocol. Assets will appear in your account instantly after 
purchase. 
 

 
 
 
Exchange digital assets for other digital assets, instantly - Exchange any digital asset for 
another, instantly, using digital assets in your AriseBank™ account. 
 
Redeem your digital assets for cash through instant bank deposit - You can easily exchange 
any digital assets in your AriseBank™ account for cash, by using our instant deposit system that 
utilizes the AriseID protocol and callbacks to communicate with outside banking APIs that are, 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
47 

 
compatible with most banks within the USA and the EU. Other countries have a maximum 
transfer time of 24-72 hours. 
 
The industry's lowest fiat to digital asset fees teamed with ease of use - Our goal was to 
make the barrier to entry for novice users and beginners as low as possible. With aEx™, Arise 
users pay 2.5% on all credit card purchases and 1.4% on all bank transfers. Welcome to the digital 
asset market. Zero fees when exchanging cryptocurrencies for other cryptocurrencies or tokens. 
 
Smart contract-based Ethereum token-for- token exchange - When exchanging Ethereum 
tokens on aEx for other Ethereum tokens, the aEx platform utilizes a solidity contract in the 
background for off-chain and on-chain exchanges.  
 
Introducing the aEx token - The aEx token has nothing to do with our current ICO, nor will be 
selling off the token. Rather, we are giving it out for free to all aBank beta signups. The aEx token 
derives from the Ethereum contract used in ERC20 token swaps on the aEx platform. 
 
AriseID-powered payments - aEx utilizes the power of AriseID and it’s ability to manipulate the 
BIP70 protocol, without risking payment data to the wide open web. The aBank platform is never 
privied to your payment details either. Your secure payment data will always remain on your cell 
phone within AriseID.  
 
Integrated with other exchanges - aEx is pre-integrated with 50+ other exchanges, using the 
aEx and aiExchanger APIs, that are already included within AriseBank’s Sunrise API.   
 
Integrated with the aiExchanger auto-trading platform - With aBank, you don’t have to 
manually trade or worry about having the knowledge to do so. Instead you can enable our 
aiExchanger feature, to auto-trade across 50+ outside exchanges. Auto arbitrage and banking 
simply go together like bread and butter. Our 1% broker fee on aiExchanger gains platform-wide, 
cover the aEx fees for aBank users. 
 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
48 

 

Fee-less Exchange 
- - - - 
aEx features one of the first fee-less exchanges in the history of cryptocurrency 
exchange platforms. Obviously we do not eliminate the fees for cryptocurrency 
transactions, as the fundamental necessities of the blockchain require 
transaction fees, to keep the network and miners working to verify transactions 
and in other blockchains for entirely different reasons. We simply cover the fees 
for aBank customers who use our auto-trading platform “aiExchanger” and cover 
those fees through our 1% brokerage fee. This ultimately creates large gains 
across our platform and places more expiring AriseCoin (eACO) in circulation, 
while also covering your exchange fees. 
 
As mentioned above, we subtract blockchain-based fees from the 1% aiExchanger broker fee 
that we charge for aiExchanger usage, which is taken out of the total profited gains on a daily 
basis from aiExchanger user. For more on aiExchanger, please refer to Chapter 4.  
 
 
How It Works:  
 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
49 

 

Cryptocurrency Trading 
- - - - 
All the cryptocurrencies found on {Page   9‑22} can be traded on the aEx 
 1
platform or auto-traded across exchanges where these cryptocurrencies are 
accepted using aBank’s aiExchanger service. Just like any other service within 
aBank, users have the option to operate in a completely decentralized 
environment or a semi-decentralized environment with aEx, where digital assets 
are traded for other digital assets or if the need to buy digital assets with a debit 
card or bank transfer is present, this can be accomplished through the AriseID 
protocol, creating a semi-decentralized environment.  
 
 
Cryptocurrency for Cryptocurrency Exchanges 
Exchanging a cryptocurrency like Bitcoin for Ethereum is easily done with aEx, utilizing our 
public blockchain API. This can also be achieved by using your own private API servers, just as is 
the case with aBank-based API features -- see {Page   
15   
“Complete   
Decentralization”}. 
 
 
Cryptocurrency/Fiat Exchanges 
Involving any sort of Fiat currencies whether that be for buying digital assets or trading digital 
assets removes the “Complete decentralization” that makes AriseBank so powerful and moves 
them to a semi-decentralized environment. But some users have a need to involve fiat currencies 
in their everyday crypto banking needs and AriseBank is capable of fulfilling those needs. 
Utilizing several APIs including Stripe, Token and others, we are able to incorporate credit card, 
debit card and banking functionality into aEx, that operate solely through the AriseID protocol.  
 
 
aEx Fees 
 
Exchange Type  Blockchain Fees  Bank Transfer Fees  Credit Card Fees 

Crypto For Fiat  n/a  $3.25/transfer  n/a 

Crypto For Crypto  Zero Fees  n/a  n/a 

Fiat For Crypto  n/a  Zero Fees  2.5% 
 
 
NOTE: 
aEx utilizes the Sunrise API-based aEx API endpoints found here:  
http://api.arisebank.com/#/aex 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
50 

 

Token Trading 
- - - - 
aEx utilizes it’s own smart contract for ERC20 token swaps, that are truly instant 
and totally decentralized when tokens are swapped for other tokens. The nature 
of aEx’s P2P (Peer-to-peer) token and cryptocurrency exchanges, teamed with a 
newly designed concept behind exchange order books, brings token trading into 
the conversation. A constantly growing token marketplace is sure to surge over 
the next few years which means token swaps will become a norm in the digital 
asset ecosystem.  
 
While there are other token-issuing cryptocurrencies like Counterparty, our focus is on 
the growing Ethereum-based token market. With aEx, when trading cryptocurrencies 
for cryptocurrencies or swapping tokens, it all takes place on a peer-to-peer basis and 
does not involve Arise in any way. Regardless of whether Arise customers are operating 
in a decentralized or semi-decentralized environment, customers will always maintain 
control of cryptocurrencies and assets in their accounts. AriseBank NEVER holds 
cryptocurrencies or tokens for its customers.  
 
As new ideas formulate, we believe investors will want to move their investment dollars 
to newer and more profitable ideas. That’s what the Ethereum market is all about. 
Swapping tokens for other tokens will become an essential tool for these investors and 
will truly rebalance investor portfolios over time.  
 
We believe the power of the aBank system, alongside a decentralized and 
semi-decentralized exchange, brings something to the industry that hasn’t been 
created yet. Bringing forth features like AriseCard, AriseCoin and aPocket are essential to 
the everyday crypto investor and novice users that use the aBank platform everyday. aEx 
sets out to bring a truly decentralized token exchange platform to the powerful aBank 
platform, allowing investors and holders alike, to spend their assets instantly and put 
their money and investments to work immediately, rather than those investments and 
assets simply being a number on their screen. We want to enable the everyday investor 
and that includes those who invest in ICOs. Being able to back out of an ICO investment 
and enter another, is crucial in this marketplace, just like it is in the stock market.  
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
51 

 

Instant Bank Transfers 
- - - - 
Thanks to Token’s powerful banking API, our semi-decentralized aBank 
environment brings on a powerful set of banking tools, allowing us to instantly 
transfer exchanges to fiat dollars to an aBank customer’s verified bank accounts. 
Bank account data just like personal data is always entered into the AriseID 
application and verified through a third party, in this case, Token.io.  
 
Token.io gives our platform an array of options, including instant bank transfers and 
withdrawals. This puts the power in the people’s hands to acquire and sell 
cryptocurrencies for fiat at any given time. Being that most of our life necessities like 
water, electricity and rent/mortgage payments still involve the use of fiat dollars, totally 
eliminating it no longer made sense for us, because we want to empower our users and 
make their lives easier in the end. While we are working on ways to make billpay easier 
for our customers in the future so that their life necessities can be paid for with 
cryptocurrencies, that is not a current feature of our platform at this time. 
 
While the banking platform is completely decentralized for those who only use 
cryptocurrencies, when using fiat currencies, this does transform a user’s platform 
format from decentralized to semi-decentralized but the user will always maintain 
control of your money. Cryptocurrencies are never in our control.  
 
 
Key Facts: 
 
- When a cryptocurrency is purchased with fiat by bank transfer or other fiat-based 
means, this cryptocurrency comes from our vault but is immediately transferred 
to the control of the user themselves. 
- If a cryptocurrency is purchased with other cryptocurrencies, this will take place 
over our P2P network (peer-to-peer).  
- When a cryptocurrency is traded for fiat, the payment is send to AriseBank and 
that cryptocurrency is put back into our vault for other users to trade for fiat. 
- Token.io API is not compatible with every bank across the globe. Currently instant 
bank transfers are only working in the USA, Europe and parts of Asia.  

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
52 

 

aEx Smart Contract / Token P2P Protocol 
- - - - 
aEx utilizes it’s own smart contract for ERC20 token swaps as well as it’s own P2P 
token protocol. Our solidity-based contract has been audited and we welcome 
other audits at anytime.  
 
 
You can find our current smart contract here: 
https://aex.arisebank.com/contract 
https://github.com/arisebank/aex-smart-contracts 
 
Smart Contract Features 
 
- The Token P2P protocol utilizes a smart contract within the aEx platform and 
operates through Makers, Takers, Indexers and Oracles to create a true 
peer-to-peer network for token swaps. 
 
- Any tokens that take on the ERC20 compliant specifications can be traded using 
this protocol and a list of these tokens can be found in our tradeable assets in the 
table on   {pages   
19‑22}  .  
 
- “aEx Peer Protocol” introduces the ability for traders to communicate instantly, 
fairly and gives them a totally private channel to do so. All of these 
communications are encrypted and automatically spread across multiple 
blockchains created for the sole use of encrypted messaging between 
counterparties.  
 
- “aEx Index Protocol” introduces a special protocol that finds and matches traders 
based on what they want to buy and/or trade with one another. Traders choose 
who they want to trade with in the end, the Index protocol simply provides 
matches, similar to how a dating engine works.  
  
- “aEx Oracle Protocol” helps create a fair and educating environment for buyers 
and sellers where the oracle network provides fair trade prices to counterparties 
to help initiate better and fairer trades across the aBank network. In the end, it is 
ultimately up to the trading parties on what they agree to. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
53 

 

aEx Exchange API 
- - - - 
aEx utilizes two APIs, one for exchanging cryptocurrencies in a 
semi-decentralized format and a decentralized format. Both work hand-in-hand 
with the aBank Open API to get AriseID information and associated account and 
wallet information from around the globe.  
 
The normal exchange API is used in both the decentralized and semi-decentralized 
application formats, while the P2P API is used purely for peer to peer exchanges in the 
decentralized format of our aBank blockchain network. Some of the API calls below do 
not mention our transaction API (aTransfer API), the Sunrise API endpoint where 
aEx-based transactions take place over our either our aBank semi-decentralized 
network or a user’s own private API servers. 
 
/openOrders - All open orders associated with an AriseID 
/aex/{ariseid}/openOrders 
 
/tradeHistory - All trade history associated with an AriseID 
/aex/{ariseid}/tradeHistory 
 
/orderTrades - All trades associated with a given order that is associated with an AriseID 
/aex/{ariseid}/orderTrades 
 
buy ** - Places a limit buy order in a given market 
/aex/buy/{assetPair}/{amount}/{askPrice} 
 
/sell ** - Places a limit sell order in a given market 
/aex/sell/{assetPair}/{amount}/{askPrice} 
 
/cancelOrder ** - Cancels an order you have placed in a given market. 
/aex/cancelOrder/{orderId}/ 
 
/moveOrder ** - Cancels an order and places a new one of the same type in a single atomic transaction, 
meaning either both operations will succeed or both will fail.  
/aex/moveOrder/{orderId}/ 
 
marginBuy** - Places a margin buy order in a given market 
/aex/marginBuy/{assetPair}/{amount}/{rate} 
 
marginSell** - Places a margin sell order in a given market 
/aex/marginSell/{asset}/{amount}/{rate} 
 
getMarginPosition** - Returns your margin position in any given market 
/aex/{ariseId}/getMarginPosition/{assetPair}/ 
 
** Private API Access Only 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
54 

 

aEx P2P API 
- - - - 
Our P2P API was built to give our platform and outside applications the power to 
utilize our peer-to-peer trading platform. Our P2P API is broken down into 4 
segments, our Order API, Quote API, Indexer API and Oracle API, as well as 
corresponding smart contract features that enable the functionality. Below are a 
few examples of our P2P API for aEx. 
 
Order API - The order API acts as a transport mechanism between parties in a 
P2P-based token trade on the aEx platform. 
 
Indexer API - The indexer API finds traders who are looking to trade certain assets on 
aEx and announces them to the network for those looking to acquire these ERC20 
compliant assets. 
 
Quote API - The quotes API simply shares price information between parties on the aEx 
platform. It basically shares what each party is willing to sell-for/spend-for ERC20 
compliant assets. Prices not executable and are simply suggestions. Parties must always 
agree on a price. 
 
Oracle API - The oracle API is used by makers and takers on the aEx network to 
determine fair and accurate prices for swaps between parties. Prices not executable and 
are simply suggestions. Parties must always agree on a price. 
 
Smart Contract - The smart contract is designed to either fill or cancel orders between 
parties. While the API is not executable in any way, the smart contract is, as long as both 
parties sign off on the transaction. 
 
 
For more information: 
https://arisebank.com/abank/aex/p2p/api/ 
 
You can find our current smart contract here: 
https://aex.arisebank.com/contract 
https://github.com/arisebank/aex-smart-contracts 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
55 

 
 
 
 

 

CHAPTER 5 

 
aiExchanger 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
56 

 

aiExchanger Introduction 
- - - - 
Grow your money by the minute using artificial intelligence and aiExchanger™. 
Investing in cryptocurrency, rather than fiat, where cryptocurrencies grow and 
decrease in value by the minute is a very important feature in the post-banking 
era. With aiExchanger™, utilizing our AI-based predictive algorithms, our system 
will auto-trade one cryptocurrency for another, to increase your gains even 
further, each and every day through the volatility of the cryptoeconomy.   
 
The AI-based digital asset auto trader™ - Using our predictive digital asset-based 
predictive algorithms, Arise customers are able to auto-trade their digital assets, by 
simply turning on the aiExchanger™ option. 
 
Watch your assets grow organically - aiExchanger is the ultimate artificial intelligence 
based digital asset exchange tool available to consumers. It runs automatically in the 
background to auto-trade your digital assets and bring you daily growth. 
 
Algorithms that predict your digital assets next move - Arise Bank is developing the 
most powerful AI, mathematics and proven retracement tools to continually monitor 
real-time market data and then buy/sell your digital assets creating the best daily 
returns possible. 
 
Know your goals. Control your limits - aiExchanger is designed with easy to configure 
user-defined limits so that you can control the risks associated with your financial goals. 
If the market becomes to volatile, aiExchanger will move your money to the most stable 
asset in your wallet, automatically. 
 
What has your bank done for you lately? - Savings and investing is very tricky game 
that banks have played for years, in the end most consumers never really see banks 
helping them to achieve their financial goals. aiExchanger will make your money work 
as hard for you as you have for it. We charge a simple 1% Brokerage fee so nothing is 
hidden or tricky. 
 
 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
57 

 

Automated Trading Platform 
- - - - 
aiExchanger is a combination of many softwares including TensorFlow, Python 
and others. When combined, it creates the most accurate market speculator 
and auto-trader in the world of cryptocurrencies. “aiEx” for short, currently studies 
the top 50 cryptocurrency exchanges across the globe in all major asset markets 
to create the best possible gains across thousands of asset pairs. aiEx has been 
studying markets for the past 7 months and constantly makes trades throughout 
the day, to further its knowledge of the thousands of markets that its currently 
studying.  
 
aiExchanger 1% Broker Fee 
aiExchanger charges 1% of the gains from each automated trade on the Arise platform. 
These broker fees are used to cover aEx transaction fees to create aBank’s fee-less 
exchange feature.  
 
aiExchanger Doesn’t Lose 
aiEx is designed to only make trades when gains are present. Losing trades are never 
made and rejected by the aBank network. 
 
Daily Off-Platform Trading 
aiEx constantly tests different trades across thousands of different asset pairs to continue 
its learning process, even if no trades are taking place on the platform. 
 
Global Machine Network 
aiEx is located in 25 Equinix data centers across the globe as well as private networks. 
The machine data is shared amongst the network and constantly backed up to several 
private data centers on an hourly basis. 
 
aOS-Based 
The entire aiExchanger network is ran on the aOS, our lightweight blockchain-ready 
container OS. This allows us to utilize all of our hardware resources and expand the size 
of our machine learning network. 
 
ARM-Based 
Our entire machine learning network is ARM-based as well, so expanding our 
aiExchanger network across the globe is economical and profitable. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
58 

 

The Heart Of AriseCoin 
- - - - 
AriseCoin works directly with the AriseBank platform and aiExchanger. In fact, 
they both work in concert with one another. AriseCoin is minted daily, based on 
the total daily gains from all AriseBank bank accounts. Those minted AriseCoins 
are then automatically distributed to AriseCoin wallet holders around the world, 
creating truly organic circulation, while also creating wealth distribution to 
everyone who's a part of the AriseCoin community. 
 
The way AriseCoin™ is distributed is a truly new concept. Everyone can grow their wealth 
independently, yet at the same time we provide a way for everyone to benefit from the 
collective gains as well, without taxing anyone. It's the best of both worlds: individual 
opportunity and collective benefit. 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
59 

 

aiExchanger API 
- - - - 
aiEx’s API is perfect for those looking to create their own auto-trading platform or 
even a simple application that needs to retrieve information from over 60+ 
global cryptocurrency exchanges.   
 
aiExchanger retrieves data through the same exact API and we are providing it to the 
general public for free, so that more and more applications like aiExchanger can be 
created in the future. You can find more documentation in our live API explorer here: 
https://api.arisebank.com 
 
 
/blockchains - List the available blockchains on a given exchange platform. 
/aiexchanger/{exchange}/blockchains 
 
/time - Check the official network time for the given exchange. 
/aiexchanger/{exchange}/time 
 
/pairs - List all tradeable blockchain pairs for the given exchange. 
/aiexchanger/{exchange}/{assetPair} 
 
/orders - A list of the latest orders from the given exchange and for the given blockchain. 
/aiexchanger/{exchange}/{assetPair}/orders 
 
/latestTrades - A list of the latest trades from the given exchange and for the given 
blockchain. 
/aiexchanger/{exchange}/{assetPair}/latestTrades 
 
/exchangePrice - List of the current prices on the given exchange’s platform for the given 
digital asset pair. 
/aiexchanger/{exchange}/{assetPair}/exchangePrice 
 
 

 
 
 
 

 
 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
60 

 

aiExchanger Developer Tools 
- - - - 
We have developed an entire SDK for aiExchanger so that developing your next 
auto-trading platform is easier than before. We have complete SDK 
documentation written for each language and a live API explorer for testing.  
 
Available SDKs For aiExchanger 
 
Platform  Available  

Android  Yes 

Apex  Yes 

C#  Yes 

Dart  Yes 

GoLang  Yes 

Java  Yes 

Javascript  Yes 

Kotlin  Yes 

Objective C  Yes 

Python  Yes 

Ruby  Yes 
 
 
 
Important Links: 
 
More information on our SDK can be found at https://sdk.arisebank.com 
For information on the AriseBank API, you can use the AriseBank API explorer at 
https://api.arisebank.com 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
61 

 
 

 

 

 

 

CHAPTER 6 

aTransfer 
 

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
62 

 

aTransfer Introduction 
- - - - 
Send or receive money anywhere for free and in seconds, with aTransfer™. With 
aTransfer™, send crypto from your Arise account to another Arise account, totally 
free. The receiver can spend their money instantly using their AriseCard™. 
 
With current services like Western Union and Paypal, sending money from country to 
country isn’t cheap. As mentioned in our “Number’s don’t lie” section on {page 8-9}, a 
cross-border transaction on average, between two parties is 7.45%. With aTransfer, 
there are zero fees to send cryptocurrencies across borders, because just as aEx fees are 
covered by aiExchanger, so are aTransfer-derived fees. The most powerful feature on the 
other hand, is the receiver’s ability to spend receivables instantly with the AriseCard. 
While, aTransfer is a simple concept it is a powerful one. While sending transactions from 
wallet to wallet has excited in the cryptoeconomy for some time, it has not been 
brought to consumers in an easy to use platform.  
 
To create ease of use, aTransfer has a built-in contact feature, where users can easily scan 
a QR code provided by another Arise user or simply enter a username that is directly 
associated with that AriseBank user’s AriseID number and save as a contact for future 
transactions. Sending money globally has never been easier or cheaper. 
 
Instantly send digital assets to friends and family around the world for them to 
spend with their AriseCard™. Zero fees. - Easily buy digital assets using your 
credit/debit card or bank account. Digital assets will appear in your account instantly, 
upon purchase. 
 
Or you can be the receiver - Easily receive money to your Arise account, with your 
username or a QR code. Forget the deposit slips it only takes a few clicks and the 
transfer happens instantly. 
 
Redeem received digital assets for cash - You can easily exchange any cryptocurrency 
received in your AriseBank™ account for cash, by using our instant deposit system, 
compatible with most banks around the United States. Other countries have a 
maximum transfer time of 24-72 hours. 
 
You can spend what you receive with your AriseCard™ immediately - As soon as you 
receive digital assets from another AriseBank™ user, you can spend them instantly with 
your AriseCard™, anywhere VISA® is accepted. 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
63 

 

A New Way To Transfer Money 
- - - - 
Below, we have created two different examples, one for the party sending a 
transfer and one for the other party receiving an aTransfer. 
 
John in the USA wants to send Kim in China $20 
 
1. John opens aBank and clicks on aTransfer 
2. John either selects Kim as a previous contact, scans Kim’s QR code or enters 
Kim’s username, that is available across the entire decentralized aBank network. 
3. John enters how much money he wants to send Kim. 
4. John selects which account he would like to send the entered amount from. 
5. John then selects a wallet within that account from which the funds will be 
subtracted from and clicks send. 
6. Kim receives her money instantly and is able to spend the money with her 
AriseCard. 
 
Kim in China, wants to receive $20 from John in the USA. 
 
1. Kim provides John with her username or her QR code and lets John know she 
needs $20. 
2. After John sends the $20, Kim receives instantly and is notified through the 
AriseID application on her mobile device. 
3. The transferred money is available instantly to Kim for her to spend with her 
AriseCard or use within the aBank platform. 
 
Spend Receivables Instantly 
One of the more powerful features of the aTransfer service is the ability to spend what 
you receive instantly, with either your virtual or physical AriseCard.  
 
A few facts about how receivables can be sent/spent: 
 
- There are no limits on what you can send or receive. 
- Funds are never withheld nor are they controlled by the AriseBank platform in any way. 
- Funds can be spent immediately upon being received. 
- There are no global or regional restrictions on who or what you can send. 
- Sometimes Bitcoin transactions can take some time to appear in certain situations, like 
when larger amounts are sent. In this case, it’s probably better to exchange Bitcoin for 
other coins if you plan on transferring large amounts or send a different digital assets. 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
64 

 

aTransfer API 
- - - - 
aTransfer’s API is perfect for those looking to integrate cryptocurrency transfers 
into their application or just to explore blockchain-based transactions in general. 
aTransfer API is apart of our Sunrise API network and interfaces with over 700 
cryptocurrencies and digital assets. To test the aTransfer API, you can go to 
https://api.arisebank.com and test the aTransfer API  
 
 
/createQR - Creates a QR code for an aTransfer user. 
/atransfer/{ariseId}/createQR 
 
/createUsername** - Creates a username tied to your AriseID. 
/atransfer/{ariseId}/createUsername 
 
/addContactByUsername** - Creates a contact by username. 
/atransfer/{username}/addContactByUsername 
 
/deleteContact** - Deletes a contact by username. 
/atransfer/deleteContact/{username} 
 
/changeUsername** - Allows an aBank user to change their username. 
/atransfer/changeUsername/{username} 
 
/txId - Marks an AriseBank-based transaction sent through aTransfer and all its descendants as 
abandoned. This allows their inputs to be re-spent. 
/atransfer/{asset}/abandonTransaction/{txId} 
 
/serializedTransaction - Decodes a serialized transaction hex string into a JSON object 
describing the transaction. 
/atransfer/{asset}/decodeRawTransaction/{serializedTransaction} 
 
/redeemScript - Decodes a hex-encoded P2SH redeem script. 
/atransfer/{asset}/decodeScript/{redeemScript} 
 
/estimateTransactionPriority - Estimates the priority (coin age) that a transaction needs in order 
to be included within a certain number of blocks as a free high-priority transaction. This should 
not to be confused with the prioritisetransaction RPC which will remain supported for adding 
fee deltas to transactions. 
/atransfer/{asset}/estimateTransactionPriority/{blockCount} 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
65 

 

/estimateTransactionFee - Estimates the transaction fee per kilobyte that needs to be paid for a 
transaction to be included within a certain number of blocks. 
/atransfer/{asset}/estimateTransactionFee/{blockCount} 
 
/fundRawTransaction - Adds inputs to a transaction until it has enough in value to meet its out 
value. This will not modify existing inputs, and will add one change output to the outputs. Note 
that inputs which were signed may need to be resigned after completion since in/outputs have 
been added. The inputs added will not be signed, use signrawtransaction for that. All existing 
inputs must have their previous output transaction be in the wallet. 
/atransfer/{asset}/fundRawTransaction/{hexString}/{changeAddress}/{changePositi
on}/{includeWatching}/{lockUnspent}/{reserveChangeKey}/{feeRate}/{subtractFee} 
 
/listLockUnspent - Temporarily locks or unlocks specified transaction outputs. A locked 
transaction output will not be chosen by automatic coin selection when spending digital assets 
from the given asset. Locks are stored in memory only, so nodes start with zero locked outputs 
and the locked output list is always cleared when a node stops or fails. 
/atransfer/{asset}/listLockUnspent/{unlock} 
 
/listAddressGroupings - Lists groups of addresses that may have had their common ownership 
made public by common use as inputs in the same transaction or from being used as change 
from a previous transaction. 
/atransfer/{asset}/listAddressGroupings 
 
/sendFrom - Send money from one person’s account to another. 
/atransfer/{asset}/sendFrom/{fromBankAccount}/{toWalletAddress}/{amount}/{confi
rmations}/{comment}/{commentTo} 
 
/sendMany - Creates and broadcasts a transaction which sends outputs to multiple addresses. 
/atransfer/{asset}/sendMany 
 
/sendRawTransaction - Validates a transaction and broadcasts it to the peer-to-peer network. 
/atransfer/{asset}/sendRawTransaction/{transaction} 
 
/sendToWallet - Sends transaction directly to an account-based wallet. 
/atransfer/{asset}/sendToWallet/{toWallet}/{amount}/ 
 
/prioritizeTransaction - Adds virtual priority or fee to a transaction, allowing it to be accepted 
into blocks mined by this node (or miners which use this node) with a lower priority or fee. (It can 
also remove virtual priority or fee, requiring the transaction have a higher priority or fee to be 
accepted into a locally-mined block.) 
/atransfer/{asset}/prioritizeTransaction/{txid}/{priority}/{fee}/ 
 
/transaction - List transaction by transaction ID. 
/atransfer/{asset}/transaction/{txid} 
 
/transactionsByBankAccount - Returns the total number of transactions by account name in a 
particular AriseBank bank account related to the given asset. 
/atransfer/{asset}/transactionsByBankAccount/{accountName}/{txCount}/{skip} 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
66 

 

 
/transactionsReceivedByBankAccount - List transactions received by an AriseBank bank 
account related to the given asset. 
/atransfer/{asset}/transactionsReceivedByBankAccount/{bankAccountName}/{confirm
ations} 
 
/transactionsReceivedByWallet - Lists all transactions received by a wallet address related to the 
given asset. 
/atransfer/{asset}/transactionsReceivedByWallet/{walletAddress}/{confirmations} 
 
/txOut - Returns details about a transaction output. Only unspent transaction outputs (UTXOs) 
are guaranteed to be available. 
/atransfer/{asset}/txOut/{txid}/{vOut}/{unconfirmed} 
 
/txOutProof - Returns a hex-encoded proof that one or more specified transactions were 
included in a block. 
/atransfer/{asset}/txOutProof 
 
/unconfirmedBalance -Lists all balances that have not been confirmed related to the given 
blockchain. This does not work with ERC20 tokens. 
/atransfer/{blockchain}/unconfirmedBalance 
 
/verifyMessage - Verifies a signed message. Does not work with ERC20 tokens. 
/atransfer/{blockchain}/verifyMessage/{walletAddress}/{signature}/{message} 
 
/verifyTxOutProof - Verifies that a proof points to one or more transactions in a block, returning 
the transactions the proof commits to and throwing an RPC error if the block is not in our best 
block chain. Does not work with ERC20 tokens. 
/atransfer/{blockchain}/verifyTxOutProof/{proof} 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
67 

 

aTransfer Developer Tools 
- - - - 
We have developed an entire SDK for aTransfer so that developing your next 
cryptocurrency platform is easier than ever. We have thorough SDK 
documentation written for each available language and a live API explorer for 
testing. You can find links to these at the bottom of this page. 
 
Available SDKs For aiExchanger 
 
Platform  Available  

Android  Yes 

Apex  Yes 

C#  Yes 

Dart  Yes 

GoLang  Yes 

Java  Yes 

Javascript  Yes 

Kotlin  Yes 

Objective C  Yes 

Python  Yes 

Ruby  Yes 
 
 
 
Important Links: 
 
More information on our SDK can be found at https://sdk.arisebank.com 
For information on the AriseBank API, you can use the AriseBank API explorer at 
https://api.arisebank.com 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
68 

 
 
 

 

 

CHAPTER 6 

aPay 
 

 

 

 

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
69 

 

 

aPay Introduction 
- - - - 
Accept over 700+ cryptocurrencies at checkout. eCommerce solutions like 
Wordpress, Drupal, Shopify, Volusion and many others will never be the same 
and neither will you. Now you can accept the hottest 700+ cryptocurrencies at 
checkout, no sweat. Just upload and go. In store and online.   
 
Accept cryptocurrency payments for your business - Accept over 700+ of the top 
cryptocurrencies at checkout, find new customers and expand your revenue with ArisePay™. 
 
Get paid instantly to your Arise account and spend instantly with AriseCard™ - Selling 
products and services is the easy part. Getting a merchant processor to pay you is the hard part. 
With ArisePay™, there are no chargebacks and you get paid instantly. 
 
Over 17+ shopping cart integrations included - Over 17+ shopping cart integrations including 
Wordpress, Shopify, Volusion, Drupal, Joomla and others. Simply plug and play and let customers 
pay away. 
 
The fees are simple. 1% for every transaction - No hidden fees and no mining fees. It's a simple 
1% per-transaction fee. That's it. At AriseBank™, we only make money, when you make money. 
 
The aPay POS for tablets and mobile- Easily charge customer in-store or on the go, using the 
aPay POS for Android or iOS mobile phones and tablets.  
 
 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
70 

 

Accept Cryptocurrencies Online 
- - - - 
aPay was originally built for online shopping cart integration and has since 
expanded. aPay is now integrated with 17 different shopping cart softwares and 
its release is set for January 3rd, 2018, worldwide. Below is a list of the shopping 
cart integrations for aPay. 
 
Shopping Cart  Release Date  

Magento  January 3rd, 2018 

WooCommerce  January 3rd, 2018 

Shopify  January 3rd, 2018 

BigCommerce  January 3rd, 2018 

Prestashop  January 3rd, 2018 

Wix  January 3rd, 2018 

Weebly  January 3rd, 2018 

SquareSpace  January 3rd, 2018 

Yahoo  January 3rd, 2018 

OpenCart  January 3rd, 2018 

ZenCart  January 3rd, 2018 

AgoraCart  January 3rd, 2018 

VirtueMart  January 3rd, 2018 

EasyDigitalDownloads  January 3rd, 2018 

EcWid  January 3rd, 2018 

XCart  January 3rd, 2018 

3dCart  January 3rd, 2018 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
71 

 

Accept Cryptocurrencies In-Store 
- - - - 
aPay has now expanded to a POS system that is built for in-store transactions 
and works exceptionally well with the aBank mobile application. Below are a few 
features and key aspects of the aPay POS system, setup features and how it can 
help any small business expand their sales as well as their customer-base / 
loyalty systems. 
 
Key Features 
----------------------- 
- Easily add products to the aPay POS from your aBank desktop dashboard, as well as 
product images, pricing, product variables and other settings. 
 
- Easily import products from an aPay integrated eCommerce store into your aPay POS 
with one-click. Everything from product images, pricing, variables and even purchase 
history can be imported into your aPay POS application. 
 
- Accept NFC-based digital asset payments via NFC-ready crypto banks like AriseBank. 
Works exceptionally well with the aBank mobile application. 
 
- Get paid for products instantly directly to your AriseBank accounts and spend instantly 
with AriseCard.  
 
-  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
72 

 
 
 

aPay Developer Tools 
- - - - 
We have developed an entire SDK for the entire aPay platform, to make aPay 
integrations a lot easier and to decrease the develop time surrounding aPay 
integrations. Examples of aPay integration include plugins like Quickbooks and 
others that can easily be added to the Integration marketplace for aBank. Below 
are a list of SDKs available for aPay. 
 
Available SDKs For aPay 
 
Platform  Available  

Android  Yes 

Apex  Yes 

C#  Yes 

Dart  Yes 

GoLang  Yes 

Java  Yes 

Javascript  Yes 

Kotlin  Yes 

Objective C  Yes 

Python  Yes 

Ruby  Yes 
 
 
 
Important Links: 
 
More information on our aPay SDK can be found at https://sdk.arisebank.com 
For information on the aPay API, you can use the aPay API explorer at https://api.arisebank.com 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
73 

 
 
 
 
 

 

 

CHAPTER 7 

CoinSecure 
 

 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
74 

 

CoinSecure Introduction 
- - - - 
With CoinSecure™ your digital assets are always safe and secure - a lot of digital 
asset wallet providers and exchange services go down during the worst times, 
being one of the first digital asset banks, our customer's couldn't afford that. We 
thought ahead.  
 
Two-factor authentication - Two-factor is the first extra layer of security, that is the 
minimum requirement to ensure your account is secure. By utilizing SMS text messages 
you can ensure that all your account activity requires your approval. 
 
Scrambling pincode entry. Introducing, CoinPin™ - Because you never know who 
might be watching, we scramble the keypad every time the app is used ensuring 
another level of security. 
 
Thumbprint verification before every login with ThumbCoin™ - Our multi-factor 
authentication utilizes your phone's built-in thumbprint verification making security 
intuitive and easy to use. 
 
Facial recognition, to make sure it's really you - The security selfie. Our facial 
recognition software can quickly and easily ensure no one else can access your money, 
except maybe your twin. 
 
Completely integrated into AriseID and aBank- Every CoinSecure feature is integrated 
in both AriseID and aBank to create the securest crypto banking platform in the world 
and the best part is - we are constantly improving it! 
 
 

  

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
75 

 
 

 

 

CHAPTER 8 

AriseCard 
 

 
 
 
 
 
 

 

 
 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
76 

 

AriseCard Introduction 
- - - - 
The physical and virtual payment powerhouse. Now everyone accepts 700+ 
cryptocurrencies. Pay with your physical card, pay virtually with your phone by 
simply tapping it on NFC-enabled terminals and make Arise users money in the 
process. We're bringing power back to spending. 
 
Spend crypto with a swipe, anywhere in the world where VISA® is accepted - Whether you're 
at a restaurant, shopping at the mall or on an international trip, never worry about exchanging 
your crypto for fiat again! Crypto in your Arise account is now instantly available on your 
AriseCard™ VISA®. Swipe and go, it's that simple. 
 
Forget your AriseCard™ at home? You can tap your phone anywhere too - Using our 
AriseBank™ application on your phone or smartwatch, you can also pay by placing your phone 
up to any NFC-enabled payment terminal. AriseCard™ is all about convenience. 
 
Track all your AriseCard™ transactions within aBank™ - Easily track all of your transactions 
within aBank™, using the AriseCard™ application, on any device. Easily see the location you 
purchased at, the amount, date and other information with ease. 
 
Zero fees when you swipe your card or pay by device - Unlike other cards, we do not take from 
our banking customers. Your money is your money. Our AriseCard™ features zero fees when you 
swipe or tap. Fees only apply to aTM™ withdraws, international purchases and ACH withdrawals. 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
77 

 

Swipe Anywhere VISA® is accepted 
- - - - 
We believe physical debit cards are still needed in the crypto world to help pay 
for life’s necessities, considering most of these necessities involve rent, water, 
electricity and other things that are typically through providers who won’t accept 
cryptocurrencies anytime soon, physical cards were needed by users of our 
platform.. Also, for those who travel to countries who have yet to adopt 
NFC-based terminals or those who live in these countries, a physical AriseCard is 
essential to their survival.  
 
Order and receive in 7-10 days - Whether you're at a restaurant, shopping at the mall or on an 
international trip, never worry about exchanging your crypto for fiat again! Crypto in your Arise 
account is now instantly available on your AriseCard™ VISA®. Swipe and go, it's that simple. 
 
Powered By Marqueta - AriseBank utilizes Marqueta’s world renowned VISA API, allowing us to 
do things that most crypto wallets who have VISA cards are unable to do.  
 
24/7 Card Support - Easily track all of your transactions within aBank™, using the AriseCard™ 
application, on any device. Easily see the location you purchased at, the amount, date and other 
information with ease. 
 
Complete Control - The aBank platform gives you full control over your AriseCard, allowing you to 
lock or unlock the card to protect your balance from people who may want to charge your card 
at an inopportune time.  
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
78 

 

Tap and Pay 
- - - - 
While physical cards are great for some, the ability to create unlimited virtual 
VISA cards, plus the ability to tap your phone and pay for goods and services is a 
great addition to the aBank platform that is certainly rare in the crypto world 
and a one of a kind when it comes to the number of assets you can tap and pay 
with. NFC payment devices are spreading across retail in the United States and 
Europe and will surge over the next few years. AriseCard’s “Tap and pay” feature 
works exceptionally well our aPay POS systems as well. 
 
Instantly create virtual VISA cards - Whether you're at a restaurant, shopping at the mall or on 
an international trip, never worry about exchanging your crypto for fiat again! Crypto in your Arise 
account is now instantly available on your AriseCard™ VISA®. Swipe and go, it's that simple. 
 
Create unlimited virtual VISA cards - Easily create and unlimited amount of virtual cards from 
your mobile or desktop devices and attach them directly to AriseBank accounts. 
 
Powered By Marqueta - AriseBank utilizes Marqueta’s world renowned VISA API, allowing us to 
do things that most crypto wallets who have “Cryptocard” functionality are unable to do through 
a prepaid card program. 
 
Zero fees when you pay - Unlike other cards, we do not take from our banking customers. Your 
money is your money. Our AriseCard™ features zero fees when you swipe or tap. Fees only apply 
to aTM™ withdraws, international purchases and ACH withdrawals. 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
79 

 

AriseCard API / Protocol 
- - - - 
The AriseCard Protocol and API is tied directly to .the AriseID protocol. All card 
calls are sent directly through the AriseID application. If using aBank on your 
mobile device and you try and create a virtual card for example, all data will be 
retreived through the AriseID application and transported securely to your aBank 
application. Creating the ultimate privacy around your AriseCard(s) and the 
secure card data that goes along with creating them. This secure data is never 
stored in aBank and is always stored on your phone along with other AriseID 
data. 
 
/getCardIds** - Get card IDs associated with an AriseID.  
/acard/getCardIds/{ariseid} 
 
/createVirtualCard** - Create a virtual debit card tied to your AriseBank account. {Created via 
AriseID protocol} 
 
/orderCard** - Orders a physical card. {Created via AriseID protocol} 
 
/viewTransactions** - View transactions associated with your AriseCard.  
/acard/viewTransactions/{cardId} 
 
/cancelCard - Cancels an AriseCard based on cardId.  
/acard/cancelCard/{cardId} 
 
/lockCard - Locks an AriseCard based on cardId. 
/acard/lockCard/{cardId} 
 
/unlockCard - Unlocks an AriseCard based on cardId. 
/acard/unlockCard/{cardId} 
 
/connectCard - Connects an AriseCard based on cardId to an AriseBank account-based wallet. 
/acard/connect/{cardId}/{abankAccount}/{abankWallet} 
 
 
 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
80 

 
 
 
 
 
 
 
 

 

CHAPTER 9 

Developer Tools 
 

 

 

 

 

 

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
81 

 

Developer Introduction 
- - - - 
Home to the largest blockchain developer toolset in the world. Become an Arise 
developer and join hands with our team of blockchain experts across the world 
to help bring the blockchain to the forefront. We have spent a lot of time making 
sure developers had an array of tools to use when it came to working with 
AriseBank and our customers. As well as integrating with our platform. Below we 
set out an array of powerful developer tools that were developed by the team at 
AriseBank. 
 
GitChains.com - The largest blockchain codebase repository in the world, with over 650 
auto-updating blockchain repositories, mirroring their official repositories every 5 
minutes. 
 
Sunrise API - Home to the largest crypto API in the world. Interact in every way possible 
with over 700 blockchains. The Sunrise API is one way that the R.I.S.E. protocol is able to 
communicate with so many blockchain nodes on our network and around the world 
effortlessly. Being able to do it through one channel, rather than 700 different channels, 
is simply awesome. Sunrise makes life on the blockchain really fun and easy and brings 
a new level of awesome to web apps. 
 
Sunrise SDK - The official software development kit for Sunrise API, featuring over 100 
different kits for over 100 different programming languages. We have your back. 
 
aOS - AriseOS is the first blockchain operating system and built for developing and 
using blockchains in container-based production environments. 
 
aToken - If you're looking to do an ICO of your own but you lack the experience 
necessary to do it on your own, we can definitely help. It's why we launched aToken! We 
can create and manage your ICO from top to bottom. 
 
Blockchain as a Service - Whether you're starting an exchange, a banking platform or 
even something from the unknown, launch any blockchain server with one-click in our 
production-cloud in over 25 data centers. You innovate, we'll do the rest. 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
82 

 

Sunrise API 
- - - - 
AriseBank’s Sunrise API brings together over 700 different blockchains into one 
API. Sunrise API is broke up into 6 different parts. aTransfer for transaction-related 
calls, aCharts for market-related data, aIExchanger for AI-powered market data, 
aChains for blockchain network-related information, aOS for AriseBank 
platform-related functions and aIExchange for exchange-related data and 
functionality. It will be required that you have an API key from the Sunrise 
Developer Dashboard (https://developers.arisebank.com), if you plan on 
interacting with our interactive API documentation. 
 
The APIs 
 
aCharts - Market related data. You can see it in action here: https://charts.arisebank.com and 
follow over 1600+ digital asset markets. You will also find aCharts functionality throughout the 
AriseBank website like the price ticker at the top of our website. 
 
aChains - Blockchain-related data used within the aBank application and now public for 
developers, covering over 700+ blockchains and used throughout the BlockXplore network here: 
https://blockxplore.com 
 
aBank - The aBank Open API allows for the creation of accounts and wallets within the aBank 
platform.  
 
aTransfer - The aTransfer API covers transaction-related API calls and endpoints for over 700 
different digital assets including ERC20 tokens on the Ethereum blockchain. Most 
transaction-related functionality within aBank functions through the aTransfer endpoints. 
 
aEx - The aEx API is our official exchange API, broken into two parts, one for cryptocurrency 
exchanges and another for P2P token swaps. You can read more about it in the aEx Chapter 
(Chapter 4). 
 
aiExchanger - The aiExchanger API provides market data from over 50+ exchanges and is the 
same API used by our machine learning network to auto-trade and constantly learn from 
cryptoeconomies across the globe. 
 
aStorage - The aStorage API is primarily used for blockchain storage. In particular we use 
aStorage to store images within aBank on the SiaCoin blockchain and other file storage-based 
chains.  
 
aMine - The aMine API was built with miners in mind, who were looking to extract mining data 
from over 700+ blockchains. While we do not use this in the aBank application, you can! 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
83 

 

Sunrise SDK 
- - - - 
We have developed an entire SDK for every AriseBank service, to make 
ntegrations a lot easier and to decrease the development time surrounding 
these integrations. Examples of aBank integrations include platform plugins like 
Quickbooks and others that can easily be added to the Integration marketplace 
for aBank. Below are a list of SDKs available for the AriseBank platform. 
 
Available SDKs 
 
aBank API  Available  

aBank  Yes 

aCharts  Yes 

aTransfer  Yes 

aEx  Yes 

aiExchanger  Yes 

aStorage  Yes 

aMine  Yes 

aOS  Yes 
 
 
 
Important Links: 
 
More information on our SDKs can be found at https://sdk.arisebank.com 
For information on the Sunrise API, you can use the Sunrise API explorer at 
https://api.arisebank.com 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
84 

 

BlockXplore Network 
- - - - 
The BlockXplore network was built to help both the novice and expert user 
explore over 700+ blockchains that are already integrated with the aBank 
platform. Each blockchain that is included in the BlockXplore network is also 
built into our aBank application, meaning you can search blocks, transactions 
and wallet data right from your aBank dashboard, thanks to the aChains API 
within Sunrise.  
 
Many of the blockchain solutions currently used are simply open source projects from the 
blockchain creators themselves but in the coming months, all of this will be integrated into one 
system. Below is a screenshot of BlockXplore as of today. Users can easily search blockchains and 
explore them within seconds. 
 
We have also developed many custom blockchain explorers for the BlockXplore network, like our 
customer solutions for Dogecoin, Namecoin and other blockchain. 
 
Dogecoin Explorer -  
https://github.com/AriseBank/dogecoin-blockchain-explorer 
 
Namecoin Explorer -  
https://github.com/AriseBank/namecoin-blockchain-explorer  
 

 
 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
85 

 

Blockchain As A Service 
- - - - 
Our team started off in the hosting industry, working with OpenStack, 
Kubernetes and other solutions that gave us the original idea for BaaS aka 
“Blockchain as a Service”. We wanted to enable developers to launch their own 
private nodes within aBank, rather than using our public nodes, which in turn 
would create the truly decentralized landscape that most crypto experts seek for 
their own privacy and peace of mind. 
 
Blockchain Marketplace - Easily search blockchains and click to launch in our OpenStack-based 
public cloud or your own Amazon, Rackspace or Digital Ocean account.  
 
Container-Based - When launching blockchain nodes in our public cloud, blockchain software is 
powered on top of our blockchain operating system “aOS” and quadruple nested in a dedicated 
LXD container along with our read-only file system structure and mounted blockchain data 
volumes. Easily scale to multiple nodes through our BaaS dashboard. 
 
Pay As You Go - All of our cloud services are pay-as-you-go. If you host within your own cloud 
accounts like Amazon, Rackspace or Digital Ocean, you are responsible for your own billing. 
 
ARM-Based Infrastructure - All of our BaaS servers within our public cloud are ARM-based so 
that scaling on our end is much easier and more efficient. We are able to spin up nodes much 
faster with ARM-based processors and our custom OpenStack/Kubernetes ARM configuration 
makes for a beautiful environment of blockchain nodes. Teamed with OpenStack’s Kolla, our 
blockchain-based container environment is like nothing else on the market. 
 
Sunrise API Private Network Access - When hosting your blockchain-based services with Arise, 
you get special private network access to our Sunrise API network, furthering the security of your 
private banking network. 
 
Blockchain Cloud Databases - Some blockchains take on so much data, sometimes it’s essential 
as a service provider to have a scaleable database backend not only focused on uptime but also 
data retention. Our blockchain database solution is a custom OpenStack plugin that utilizes 
BigChainDB and other solutions to create the ultimate database backend for your private 
banking network..  
 
Cold Storage As A Service - Now a days, it can be risky hosting wallets on the open web 
especially when you lack the software and/or the resources to keep you or your customer’s 
money safe. Our cold storage as a service solution creates a privatized storage service for wallets 
that can easily be mounted privately to private blockchain nodes within your BaaS dashboard.  
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
86 

 

aToken 
- - - - 
Start your own ICO. Build a legitimate and regulated ICO for your startup. 
We have a lot of experience in building ICOs and would 
love to help you build the future.  
 
We build the visuals - Building a stellar ICO starts with a stellar image. The numbers never lie 
and the best looking ICOs raise the most money. Your image is very important. 
 
Smart contract, token creation, whitepaper creation and participant management - We will 
do all the complicated parts of starting an ICO, from writing a customized smart contract, to the 
generation of your tokens and even participant management by launching your very own ICO 
dashboard. 
 
We make sure you deliver. We bring your idea to life - Raising money is one thing but we want 
to make sure the projects we create, also deliver a product. Our world-class blockchain 
developers will build out your blockchain-related project, after funding. 
 
We market your ICO - We will handle all your press releases, marketing strategies and digital 
marketing needs from top to bottom. Our industry contacts and our industry reach is endless. 
We will put your ICO in the industry conversation, period. 
 
 
Services  
 
Website design & development - We will design & develop your entire website presence from 
scratch, including product screenshots, CMS administration and more. 
 
Logo and brand design - We will create you the perfect brand to go alongside your ICO 
campaign. We can even help in the naming of your company. 
 
Social media design - We will design and develop your entire social media image. From account 
creation, page design, ad design and post design, we have you covered. 
 
Software UI design & development - We will design your entire software UI and develop out the 
coded version as well to match your web, social and brand identities. We will also create 
mockups if needed. 
 
Token creation - We will create your tokens, create your token market symbol and make sure the 
numbers line up with your marketing plan and your business model. 
 
Smart contract development - We will develop your smart contract from top to bottom and can 
also integrate into your decentralized application or other software-related development. 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
87 

 
 
ICO dashboard development - We will design and develop your very own ICO dashboard as well 
as a backend for managing contributions and participants. 
 
Custom blockchain development - If you would rather create your own blockchain rather than 
a Waves-based or ERC20-based token, we can develop a custom or cloned blockchain for your 
ICO. 
 
Whitepaper development - We will design, write and develop a whitepaper for your ICO from 
top to bottom and will make sure it stacks up to the industry's best ICOs. 
 
Explorer Development - We will develop an explorer for either your smart contract or custom 
blockchain so that users can begin to explore transactions on your chain. 
 
Wallet Development - We will help develop a custom wallet for your blockchain or ERC20 token 
for participants and future traders to use and will make available to all platforms. 
 
Network Core Development - We can help develop a custom core software for your blockchain, 
so that miners and participants can explore and use your network. 
 
DAPP Development - If your project is in relation to a decentralized application, we can develop 
the entire DAPP from top to bottom. 
 
Blockchain-based development - If your software requires any sort of blockchain-related 
interaction, we can develop your software to interface with as many blockchains as required for 
your project. 
 
Press Content Strategy + Distribution - We will strategize, write and distribute your ICO-related 
press to our industry contacts. 
 
Google/Facebook Ad Management - We will manage your entire digital marketing strategy and 
the needs associated with that strategy. We will be your ICO digital marketing outfit. 
 
Forum posting and communication - We will post your ICO on necessary forums like BitcoinTalk 
and communicate with the community on your behalf. 
 
Exchange distribution - We will contact our many exchange partners to distribute your token to 
as many who will accept it as a tradeable asset. 
 
Social media marketing - We will market your ICO throughout social media and manage all 
communications through both Twitter and Facebook's platforms. 
 
Website updates & maintenance - We will keep your website up to date and maintenance it 
when necessary during the 30-day ICO period. 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
88 

 

aCharts 
- - - - 
Beautiful crypto charts for everyone. aCharts™ is a key ingredient in the aBank™ 
platform. Currently aBank™ includes live scrolling tickers and touch-enabled 
scrollable aCharts on mobile. Now aCharts has expanded to its own dedicated 
mobile and web apps that can be seen here: https://charts.arisebank.com 
 
A special touch to mobile crypto charts - On our AriseBank™ mobile app for Android and iOS, 
our crypto charts are meant to drag, zoom and move with the touch of a finger. It almost feels 
natural and our charts seem to move in coordination with your touch, while anticipating your 
next stopping point. 
 
aCharts™ has arrived in an app store near you - Download the latest aCharts™ app to follow 
the latest digital asset prices and get a little taste of our aiExchanger™ technology with our 
AI-based arbitrage predictions that currently include the top ten exchanges. Download now. 
 
 
 

 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
89 

 

 

 

CHAPTER 10 

AriseCoin 
 

 

 

 

 

 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
90 

 

What Is AriseCoin? 
- - - - 
You earn, while they gain. The world, makes money go round. With the release of 
the world's first decentralized bank, many new possibilities become realities. 
AriseCoin is one of them. With the launch of today's ICO, we not only launch the 
largest ICO ever, we release the first blockchain built on wealth creation for 
everyone. 
 
AriseCoin is a new digital currency that enables the global economic system the world has been 
waiting for. This new economic system combines the best features of capitalism and socialism, 
while removing their defects. It's capitalism without the inequality, and socialism without the 
lack of opportunity. With AriseCoin™, the rich can still get richer, and the poor are raised from 
poverty without taxing anyone. Everyone benefits from a combination of their personal wealth 
and the growth and circulation of the global economy. We call this new form of economic 
system "circulism," because it's all about circulation. 
 
 
Why AriseCoin? 
 
AriseCoin works directly with the AriseBank platform. In fact, they both work in concert with one 
another. AriseCoin is minted daily, based on the total daily gains from all AriseBank bank 
accounts. Those minted AriseCoins are then automatically distributed to AriseCoin wallet holders 
around the world, creating truly organic circulation, while also creating wealth distribution to 
everyone who's a part of the AriseCoin community. 
 
 
Why Would I Want AriseCoin? 
 
Unlike other ICOs that were bought or sold completely off the hype of their initial coin offerings, 
before their products were built, AriseCoin debuts with one of the largest blockchain platforms 
to ever hit the internet, along with the world's first true cryptocurrency banking platform. These 
are not hyped up ideas, these are working platforms with hundreds of developer tools and 
integrations that are ready to use today. AriseCoin is real, it's already built, and it's live. While we 
will forever continue our mission to innovate, our platform is not just a whitepaper, it's a fully 
functional business today. 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
91 

 

How It Works 
- - - - 
AriseCoin is a new economic framework where everyone gains together. With 
AriseCoin™, the rich can still get richer, yet the poor are raised up with them, 
without taxing anyone. Everyone benefits from a combination of their personal 
wealth and the growth and circulation of the global economy. 
 
The first-ever expiring blockchain asset  
 
AriseCoin is split into two denominations within one blockchain: ACO and eACO. ACO 
(AriseCoins) can be acquired during our initial ICO, as well via as exchanges for those looking to 
buy, sell or trade ACO in a growing digital asset marketplace. Currently, there are 8,500,000ACO 
in circulation. ACO are permanent crypto assets that do NOT expire. If you buy them or earn 
them, you own them.  
 
But we also provide eACO (expiring ACO), which is the first ever expiring cryptocurrency. eACO 
are minted on a daily basis, in proportion to the collective gains of AriseBank customers and are 
then algorithmically distributed back to all AriseCoin holders. But what makes eACO different 
from ACO is that eACO expire after a period of time and are only useable within AriseBank.  
 
Think of ACO as permanent asset coins that last forever, and eACO as limited shelf-life bonus 
coins that have to be used before they expire.  
 
The purpose of eACO is to enable everyone to share in community wealth, and also to incentivize 
people in putting their bonus eACO coins back into circulation before they expire. 
 
eACO is always equal to ACO's value 
 
The most important aspect of the AriseCoin blockchain is that there are no differences in ACO 
and eACO from a value perspective. We named them differently to set them apart for holders, so 
they can differentiate between their permanent ACO holdings and expiring holdings. eACO are 
awarded as bonuses but they expire if they are not used within a period of time. 
 
 
Easily hold ACO with multiple wallet solutions. 
 
Currently, you can hold AriseCoin within our AriseCoin Paper® paper wallets, on your Mac, Linux 
or Windows computers with aWallet Core® and our web-based AriseCoin wallet system. All are 
very secure and production-ready, while also utilizing our AriseCoin open API. 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
92 

 
Delegate Proof-Of-Stake 
 
AriseCoin utilizes a DPos (Delegate Proof of Stake) consensus mechanism featuring 51 total 
delegates. These delegates are tasked with running the network and are rewarded with block 
rewards, much like miners in Bitcoin. AriseCoin delegates also vote on blockchain-related 
decisions including potential forks, major code updates and other events, similar to a 
blockchain-based congress. 
 
Powerful Integrations, Powerful APIs 
 
We designed and developed AriseCoin to be easily integrated with eCommerce platforms and 
other solutions, to make AriseCoin not only usable on as many platforms as possible but to also 
play towards our circulation strategy. AriseCoin is also highly integrated with many AriseBank 
platforms like aPay, allowing millions of online merchants the ability to accept AriseCoin at 
checkout. 
 
Scaleable and Fast 
 
AriseCoin uses sub-chains to offload medium to low-urgency operations from its main chain into 
sub-chains, in order to keep AriseCoin scaleable, fast and the moving at the same speed. Internal 
operations like eACO expiration scheduling and expiring-based network transactions are 
offloaded to delegate machines. 
 
Buy, Sell or Trade AriseCoin 
 
The 8.5M ACO in circulation are available for purchase on major exchanges, however the separate 
bonus pool expirable eACO coins are are only available and tradeable within Arise. AriseCoin 
plans to integrate with many of the top exchanges in the coming weeks, so that ACO acquired 
during the Arise ICO can be traded easily on these top exchange platforms. 
 
And It Circulates... 
 
Our goal with AriseCoin is to drive overall circulation by incentivizing ACO holders to spend their 
extra rewarded eACO bonus coins before they expire. This causes eACO currency to be used 
rather than just held in static accounts, which in turns drives and grows the market value of 
AriseCoin economy and thus increase the value of ACO holdings. Arise rewards market 
participants for using their bonus earnings in the market, which brings about constant 
circulation and trading activity. This makes the AriseCoin cryptocurrency a very unique asset on 
the market and a one of a kind cryptocurrency asset in your portfolio. 
 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
93 

 

AriseCoin Developer Tools 
- - - - 
The AriseCoin™ platform allows for the creation of decentralized applications aka 
DAPPS and Smart Contracts, to bring life to non-profits and honest fintech 
innovation from around the world. Below are several developer tools, that make 
AriseCoin™ an extremely powerful weapon in the future of fintech innovation, 
while creating an honest and open platform for transparent and honest 
non-profit organizations. 
 
AriseCoin SDK - The AriseCoin™ SDK is the developer toolset for ACO™ DAPP creation. We have 
made the SDK readily available with supporting documentation. 
 
AriseJS - Arise-JS™ is a JavaScript library for the AriseCoin™ blockchain application platform. It 
allows developers to create offline transactions and broadcast them onto the network. It also 
allows developers to interact with the core AriseCoin™ API, for retrieval of collections and single 
records of data located on the AriseCoin™ blockchain. Its main benefit is that it does not require 
a locally installed Lisk node, and instead utilizes the existing peers on the network. It can be used 
from the client as a browserify compiled module, or on the server as a standard Node.js module. 
 
Arise-CLI - A command line interface for bootstrapping and managing AriseCoin blockchain 
apps, Arise-CLI gives developers a great toolset for testing and production DAPPS from creating 
their own blockchain, genesis blocks, public keys, DAPPs and more. 
 
AriseCoin Paper Wallet - Easily create AriseCoin paperwallets here: https://paper.arisecoin.com 
 
AriseCoin Desktop Wallet - AriseCoin wallet is available for Mac OSX, Windows and Linux 
desktops and can be downloaded here: https://arisecoin.com/awallet-core-download 
 
Build decentralized apps - Decentralized blockchain applications will be built on AriseCoin™ 
from the ground up in pure Javascript and take advantage of the powerful Arise APIs. In addition, 
every app will run in its own sidechain to ensure that AriseCoin™ itself stays safe and scalable. 
These features will become available towards the end of 2017. 
 
All the tools you need - From Arise-JS™ to Arise-CLI™, developers are empowered to take over 
the world, with a new and thriving world of application development. To download our 
pre-release tool-sets, go to our downloads page. 
 
 
 
 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
94 

 

 

 

CHAPTER 11 

Bringing It All 
Together 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
95 

 

Built To Empower People 
- - - - 
The people's bank®. Where you empower the world and we empower you. 
Being the first crypto bank will never be our true identity. We believe banking is 
all of our business, yet who you are is none of our business. Our plan that one 
day, you would control your money and banks would put money in your pocket, 
is no longer a roadmap. It's an exciting reality born through experience, our 
leadership who saw things differently and a vision born within the very 
communities that needed it most. 
 
When we set out to build the first decentralized banking platform, we didn’t 
want to simply talk about it or throw an idea out there. We wanted to build it. 
If you made it this far in our whitepaper, you can see that most of our platform is 
live as of today and there are many resources with many more to come in the 
near future. There are many pieces to make the entire AriseBank concept work 
correctly and over time we believe it will become more and more simplified just 
as anything in software does over time. But you have to start somewhere. 
 
In this final chapter, we wanted to show you a 10,000 foot view of what you just read about and 
how we bring it all together with screenshots, diagrams and other visuals to help you understand 
just how far the AriseBank platform has come and where it’s headed in the near future.  
 
Many ICOs that were recently launched targeted the same demographic that most crypto 
companies have targeted since the beginning. We have dubbed this demographic as “The 
original crypto adopters”, which represent 2% of the population. As a company full of nerds, we 
are not in a disarray over what the 2% will mean to the overall future of the industry itself, they’re 
essentially the most important piece when it comes to the evolution of an ever changing 
financial ecosystem and the blockchain itself. On the other hand, there is the other 98%, we have 
dubbed “The crypto consumers”. The cryptocurrency consumer market has failed to truly 
understand the purpose and the value of cryptocurrencies as a whole, while companies have 
failed to communicate it properly. At Arise, our focus is going after the 98% by bridging the 
communication divide, which in turn will bring along more crypto-based financial solutions, 
more innovation and higher returns for the investors of these companies in the short and long 
term. When we started Arise, we never saw it as a project. We immediately began building our 
vision, our products and our goals into a formidable company that we saw as the future of an 
industry that is just as important as healthcare and government themselves. Our vision is simple. 
We see how cryptocurrencies banks, like Arise, can solve a lot of the financial problems are world 
is facing, by simply communicating things differently and creating a beautiful product that 
people will be proud to use. We also want investors to be apart of something great that will grow 
and last for centuries, not years or even decades. We want to Arise together. 
 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
96 

 
 
The RISE Network 
- - - - 
“Your software is only good as your network”. It’s a saying that most engineers are all-to familiar with. One 
that we live by, if we really care about what we’re building. RISE is something I have touched on in the 
past but has expanded since then. R.I.S.E. stands for Robotic Interoperable Secure Exchange. Just like the 
old model (O.S.I), R.I.S.E has many layers. The difference in R.I.S.E and O.S.I., is most layers within the O.S.I. 
model were never built with the blockchain in mind. But the most important thing to note, is R.I.S.E isn’t a 
replacement for O.S.I, it’s an expansion and a virtual overlay to the O.S.I model. Below are the 7 layers of 
the R.I.S.E. network model. 
 
a. VirtOSI – The first layer of R.I.S.E. is 4 of the 7 O.S.I. layers merged into one layer. They are also completely 
virtualized, automated and controlled by a network controller within a R.I.S.E-based network. These 
networks can span continents and run off the VirtOSI-based controller seamlessly. VirtOSI controls 
everything that comes in and out of the network, tcp/udp (Transport), bridges/firewalls (Data Link), 
router/network addresses/subnets/icmp/load balancers, security rules and data-center level automation 
(Network), . VirtOSI only lacks the original O.S.I-based “Physical Layer”, “Presentation layer” and “Application 
layer”, because R.I.S.E has separated these into sublayers into separate layers within the model. 
 
b. Compute – The second layer of R.I.S.E. is simply known as “Compute”. As simple as that sounds, it’s the 
most complex part of the model. Compute is the entry point for many computational layers within a 
R.I.S.E-based network model. Our current running compute standards are based around the use of NASA’s 
OpenStack and Ubuntu’s Nova-LXD, giving us the ability to create scaleable, elastic, nested, privileged and 
virtualized computing environments that are ultimately required to run a secure, multi-regional 
blockchain-based network. 
 
c. Orchestration – The third layer orchestrates everything beneath it. Our current standards utilize nested 
LXD- based containers, Google’s Kubernetes (Masters and workers), OpenStack’s HEAT and Ubuntu’s SNAP, 
to orchestrate double-nested Docker-based container deployments, blockchain operating systems (like 
aOS, along with blockchain core network daemons and persistent VirtOSI-based network storage. This 
combination ultimately creates the most powerful blockchain foundation ever created. 
 
d. DNCL (Double Nested Container Layer) – This layer is a double-nested virtualized container layer that 
typically has an orchestrated stack-based master that we call the TNAL controller (Read #5), along with it’s 
“Robotic workers”, that provide total containerization. replication and automation to applications within the 
TNAL (Triple nested application layer). The DNCL layer typically has the ability to re-spawn anything and 
everything beneath it and bridges to the VirtOSI layer to create it’s own private and nested virtual networks 
for the TNAL, so that the TNAL never touches the outside world. Keeping blockchain data safe. 
 
e. TNAL (Triple Nested Application Layer) – The triple nested application layer is where blockchain-based 
daemons and other blockchain-related applications are securely ran, within a triple nested environment. A 
third-layer application container, typically ran on a bare-bones operating system like aOS, that presents zero 
opportunity to attackers and poses little to no threat to the blockchain network. The TNAL is a very 
lightweight layer, only storing it’s own applications. All application dependencies and data are stored on 
mounted storage volumes within the PNSL layer. A multi-application environment within a TNAL, share the 
same dependency-based storage volumes to create a very minimalistic ecosystem and does away with the 
old model of data waste. A better ecosystem, built on minimal engineering, leads to less hassles in the end. 
 
f. PNSL (Persistent Network Storage Layer) – The persistent network storage layer is a software-defined 
storage layer that is controlled by the VirtOSI layer, across multiple compute and orchestration layers, to 
provide consistent and persistent storage to the DNCL and the TNAL. It is also read-only, posing little threat 
to the network and leaving little to no opportunity for attackers to run away with important information or 
digital assets within the network. 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
97 

 
g. ROPL (Read Only Presentation Layer) – The read only presentation layer, serves everything from the TNAL 
and the PNSL over public ports (80,443) and through a restful API-based interface. Not only does this keep 
attackers away from a blockchain’s RPC mechanisms on the TNAL layer, it also creates a very fast response 
time in web-browsers and JSON-response times. 
 
I have attached several diagrams of how we utilize the R.I.S.E. model here at Arise and we will continue to 
expand these concepts in the coming days, weeks and months. 
 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
98 

 

 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
99 

 

aTMs & Putting A Bank In Your Pocket 
- - - - 
We have been developing our very own aTM™ featuring over 700+ 
digital assets and contracts as well as partnerships at over 1100 
locations. Soon, you can cash out over 700 digital assets at over 1100 
aTM™ locations worldwide. The most powerful and secure digital 
asset-based aTM™ network in the world all powered on aOS and the 
R.I.S.E. network. 
 
We have also been developing a hardware wallet that also has an 
mobile-application version as well for iOS and Android. We call it 
aPocket. aPocket is compatible with the aBank dashboard, AriseCoin 
wallets and Arise aTMs. You can easily withdraw money from your 
other hardware devices and place within aPocket so that your money 
stays within secure sneaker nets, rather than being exposed on your 
PC or servers. 
 
We are currently finalizing development on both aTMs and aPocket. 
For more information on both: 
 
https://arisebank.com/abank/atm/ 
https://www.arisebank.com/product/apocket/ 
 

 
 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.  
100 

 
 
And We Rise Together 
- - - - 
In closing, I say all of this from experience, with great passion and determination to 
create a better tomorrow. For the past few months, I have not only witnessed what the 
blockchain can do for the world, I have innovated many parts of it. I have dedicated my 
life to it. The system isn’t crying over something that it could easily squash. Blockchains 
are distributed supercomputers. They are ants and they are everywhere. It will take a lot 
of ant poison to kill them off. The problem is, there isn’t enough ant poison in the world 
to finish the job. That battle has already been won. Their only workable strategy is fear 
and manipulation. Anything can die at the hands of fear. It’s the most powerful weapon 
that the system possesses. But they will never squash it if the people realize the power 
that they hold and stand up to the foolishness that our government presents to us every 
single day. The manipulation and the fear that is put inside our minds was designed to 
force our hand, keep our attention elsewhere and in the meantime – they’re printing 
their campaign signs for the next election. I’m not asking you to break the laws. I’m 
asking you to fight for your rights. To fight for what you love. To protect your families, to 
raise your children, to protect their health and your health as well. To be financially 
stable, in control of your future and to love everybody as you would want them to love 
you. To police the blockchain community and to treat it as we have treated the internet 
in the past. To kick the trolls to the street and to truly put our best foot forward with the 
blockchain and make sure it’s presented in the best light. 
 
We must live in a world of life, love, liberty and happiness because that’s what our 
country’s forefathers wanted. It’s what our veterans have risked and lost their lives for and 
it’s what AriseBank is and what we stand for. We will lead the charge. I will stand on the 
frontlines and many will join me. I invite you to join me there as well. This war has been 
around the corner for some time now and we are only days away from what will be the 
digital currencies of government versus the digital currencies of the people. This is what 
digital warfare looks like. And through all of this, a bank of the people was born. I am 
here to rise to the occasion, to fight for you and every single person at Arise is here to do 
the same. We believe in a better tomorrow and we truly need to hold on to the things 
that have our best interest at heart. We need to cherish them and most importantly, we 
need to take care of them. The government is not one of those things – but the 
blockchain is. We have to protect it and protect it together. If you care about this 
country, our freedoms, our future and a better tomorrow – I’ll see you out there. If not, it’s 
a free country . 
 

 

 

© 2017 Arise Bank, all rights reserved. The AriseBank, AriseCoin, AriseCard, ArisePay, aOS, aEx, aIExchanger, 
aTransfer, aCharts, AriseID, CoinSecure, CoinPin, Thumbcoin, CoinFace, RISE and RISE Network names and/or 
terms are trademarked intellectual property registered to AriseBank Ltd in multiple countries including The 
United States of America.